Small Business Insurance That is Competitively Priced and That Provides the Gold Standard in Protection in 3 Fast and Easy Steps

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Insurance companies provide protection for their customers by paying them in the event of a loss in exchange for a premium paid by the customer. Types of insurance offered by insurance companies include automobile, health, life, property, rental, workers compensation and liability. Customers are covered according to a written agreement with the insurance provider.

General Liability Insurance for Insurance Companies – If the public accesses the insurance company’s premises often, then they may be at risk of injury should the property be poorly maintained. Sidewalk, parking lot, floor, elevator and stair hazards could all cause individuals to become injured. Offices that accumulate a large volume of books, manuals and files on shelves may pose a tip over or collapse hazard to visitors. All shelves should be constructed of sturdy materials that are designed to carry a heavy load and appropriately anchored to walls.

Workers’ Compensation Insurance for Insurance Companies – The main Workers’ Compensation risks are injuries to office workers due to the repetitive motion nature of many clerical tasks in insurance company offices. In addition, injuries occur to marketing representatives and auditors while traveling to visit agencies and to loss control personnel while visiting customer work sites.

Business Auto Insurance for Insurance Companies – Auto liability risks are posed when insurance company employees, such as salesmen, drive vehicles to conduct business, whether the vehicles are owned by the company or by the employee. If this is the case, the insurance company could be liable for auto accidents. Drivers who use their own vehicles should carry a minimum of $300,000 combined single limits on their Personal Auto policy.

Property Insurance for Insurance Companies – The primary insurance loss to property of insurance companies is caused by fire, which can occur with improperly installed electrical systems, overridden circuit breakers and indoor smoking. The risk of fire is also impacted by the proximity and occupancy of neighboring businesses. Neighboring businesses with occupancies such as restaurants, service, and manufacturing carry a higher than normal risk of a fire escaping their boundaries and spreading to other buildings. A one-hour firewall extending through the roof should be used whenever one building is connected to other buildings such as in a strip shopping center.

Crime Insurance for Insurance Companies – Insurance companies are at risk of losing money due to dishonest employees who steal from the companies as well as computer fraud. Outsiders can engage in theft by making payment for services with invalid credit cards or checks, stealing money & securities by burglary or robbery, or by electronic theft. Employees should receive training and have available the latest technology for identifying fraudulent or invalid checks and credit cards. Checks should be immediately stamped "for deposit only". Cash, checks, and credit card receipts should be dropped into fire and theft resistive safes until such time as deposits can be made. Bank deposits should be made on at least a daily basis at unpredictable intervals to reduce the chances of courier robbery.