Small business you need to have insurance . But before you buy small business insurance, it's wise to shop around for the best rates and to ensure that you have a clear understanding of what needs to be covered.
When looking for a small business insurance quote,
There are some things you will need to know.
Nature of Your Small Business: There are some types of businesses that many insurance companies decline coverage, like amusement parks, aviation businesses and security companies. The good news is that there are small business insurance companies specializing in these areas, you just need to seek them out.
Your Address and Building Specifications: When shopping for quotes, you'll need to state if your business is run out of a home or a commercial location and answer some additional questions. If it is a commercial office:
What is the total customer area?
What types of tenants occupy the building
What is the age of the building?
Chemical Storage: If you use chemicals in your small business, some carriers will want to know where the supplies are stored. If you are a mobile service and the chemicals are stored in a vehicle, you need to specify where the vehicle is parked.
Company Overview: Insurance agents will also ask you how many years you have been in business, your projected and current gross annual receipts, plus the number and nature of employees.
Business Vehicles: If you have mobile service vehicles, you will need names, social security numbers and drivers license numbers for all employees who drive the vehicles.
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