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While there is no such thing as a cheap small business insurance policy, there are still some options to keep your costs low. The top-rated insurance companies, including Farmers, Suracy, and Liberty Mutual, offer policies for as low as $20 per month, or even lower. Nonetheless, it's better to know your options before you purchase a policy. Here's a quick guide to evaluating these companies. And don't forget to compare policies and rates from each.
- Hiscox
If you are looking for a cheap small business insurance policy, Hiscox might be the answer. This insurance provider was founded in 1901 and serves customers in eleven countries. In fact, Hiscox has the highest rating from the Better Business Bureau (BBB), and has an "A+" rating from Trustpilot. Despite Hiscox's reputation for low customer complaints, it is the best choice for small businesses.
The company offers specialized insurance policies based on the products you sell and the nature of your business operations. Customers can even pay premiums online and can find an insurance agent. In addition to providing business insurance, Hiscox offers products tailored specifically to independent contractors. For instance, the company offers a BOP for restaurants, called Master Pac. The BOP includes key coverages like employee theft and rented premises. Travelers also offers a basic insurance policy for small businesses. In addition to having affordable rates, business owners can access risk management resources to help them manage risks.
The company offers specialized insurance policies based on the products you sell and the nature of your business operations. Customers can even pay premiums online and can find an insurance agent. In addition to providing business insurance, Hiscox offers products tailored specifically to independent contractors. For instance, the company offers a BOP for restaurants, called Master Pac. The BOP includes key coverages like employee theft and rented premises. Travelers also offers a basic insurance policy for small businesses. In addition to having affordable rates, business owners can access risk management resources to help them manage risks.
- Liberty Mutual
Getting cheap small business insurance from Liberty Mutual may be easier said than done. First of all, they don't disclose the average cost of their business insurance policies. Nor do they provide quotes online. To get a quote from Liberty Mutual, you will have to speak with an independent insurance agent or broker. The rate you pay depends on several factors, including coverage, your location, and the type of business you have. This is because Liberty Mutual offers many different types of business insurance, so not all policies are created equal.
Another advantage to Liberty Mutual's cheap small business insurance is its extensive industry coverage. They've been in business for 109 years, and their local branches are available all across the country. Many people are impressed with their mobile app, and praise the responsiveness of their customer service representatives. There's also a dashboard for small businesses to help them manage their insurance. If you have a small business, you'll want to start with Liberty Mutual.
Another advantage to Liberty Mutual's cheap small business insurance is its extensive industry coverage. They've been in business for 109 years, and their local branches are available all across the country. Many people are impressed with their mobile app, and praise the responsiveness of their customer service representatives. There's also a dashboard for small businesses to help them manage their insurance. If you have a small business, you'll want to start with Liberty Mutual.
- Suracy
Buying cheap small business insurance doesn't necessarily mean that you are not adequately protected. Buying the wrong type of policy can leave you unprotected in the event of a lawsuit. Be sure to assess the risks of your business and purchase the appropriate insurance policy. Here are some tips to get cheap small business insurance. You should look for the following features in the policies you choose:
Manage risks - It is possible to reduce the costs of your insurance policy by minimizing the amount of claims you file. Some businesses are more risky than others and therefore will have higher premiums and higher worker's compensation costs. You should operate your business in a safe environment and properly train employees to handle dangerous materials or machinery. Investing in good quality equipment and training for employees is also an effective way to save on insurance premiums.
Manage risks - It is possible to reduce the costs of your insurance policy by minimizing the amount of claims you file. Some businesses are more risky than others and therefore will have higher premiums and higher worker's compensation costs. You should operate your business in a safe environment and properly train employees to handle dangerous materials or machinery. Investing in good quality equipment and training for employees is also an effective way to save on insurance premiums.
- Farmers
If you are looking for a cheap small business insurance policy, you should check out Farmers. Their website provides a form where you can enter information about your business and get a quote. The form will be sent to agents in your area. Once you receive a quote, the agent will contact you. You can also search for an agent near you on their website. Farmers agents are available to help you find the best insurance policy for your business.
For your small business, Farmers offers affordable policies for a variety of different types of industries. For instance, if you are in the medical field, you can check out Farmers insurance for medical malpractice and dental malpractice. This type of coverage also offers protection against common services like property damage and legal expenses. In addition, Farmers agents are familiar with common businesses, which can make it easy to find the best policy for your business. This way, you don't have to spend your time scouring the Internet for the best coverage for your small business.
For your small business, Farmers offers affordable policies for a variety of different types of industries. For instance, if you are in the medical field, you can check out Farmers insurance for medical malpractice and dental malpractice. This type of coverage also offers protection against common services like property damage and legal expenses. In addition, Farmers agents are familiar with common businesses, which can make it easy to find the best policy for your business. This way, you don't have to spend your time scouring the Internet for the best coverage for your small business.
