Business Insurance Quote Step 1 of 24 4% Let's Get Started First, we’ll cover the basics. What's your profession?*What's your zip?*Enter the zip code of your primary business location. What coverages are you looking for? What are you looking for?* General LiabilityHelps protect your business from lawsuits or claims involving your business operations or products. Business Owner’s PolicyA package that saves money by combining business property insurance and general liability insurance together. Professional Liability (E&O)Helps protect you from claims of professional negligence, even if you’ve done nothing wrong. Workers’ CompensationHelps cover medical and loss of income benefits if one of your employees gets a work-related injury or illness. It can also help with legal fees if they decide to sue. Business PropertyProtects the place where you do business — whether you own it, lease it, or work out of your home. Also covers personal property (like tools and equipment) used in your business. Business AutoProtects the vehicles your business owns, rents, or leases from auto liabilities. Also helps protect personal vehicles used for work-related purposes. Cyber LiabilityProtects your business from data breaches, leaked personal information, and identity theft when you handle sensitive customer data (even credit card information). Inland MarineHelps cover business property, assets and equipment while it’s away from your business premises, in transit, or at temporary storage locations. Other What coverages are you looking for? Add more coverages? Commercial Umbrella* Commercial UmbrellaExtra liability insurance designed to protect your business against catastrophic losses. General LiabilityHelps protect your business from lawsuits or claims involving your business operations or products. Business Owner’s PolicyA package that saves money by combining business property insurance and general liability insurance together. Professional Liability (E&O)Helps protect you from claims of professional negligence, even if you’ve done nothing wrong. Workers’ CompensationHelps cover medical and loss of income benefits if one of your employees gets a work-related injury or illness. It can also help with legal fees if they decide to sue. Business PropertyProtects the place where you do business — whether you own it, lease it, or work out of your home. Also covers personal property (like tools and equipment) used in your business. Business AutoProtects the vehicles your business owns, rents, or leases from auto liabilities. Also helps protect personal vehicles used for work-related purposes. Cyber LiabilityProtects your business from data breaches, leaked personal information, and identity theft when you handle sensitive customer data (even credit card information). Inland MarineHelps cover business property, assets and equipment while it’s away from your business premises, in transit, or at temporary storage locations. Other What coverages are you looking for? Add more coverages? Hired & Non-Owned* Hired & Non-Owned AutoLiability protection for non-owned vehicles and vehicles your business hires, rents, or borrows. General LiabilityHelps protect your business from lawsuits or claims involving your business operations or products. Business Owner’s PolicyA package that saves money by combining business property insurance and general liability insurance together. Professional Liability (E&O)Helps protect you from claims of professional negligence, even if you’ve done nothing wrong. Workers’ CompensationHelps cover medical and loss of income benefits if one of your employees gets a work-related injury or illness. It can also help with legal fees if they decide to sue. Business PropertyProtects the place where you do business — whether you own it, lease it, or work out of your home. Also covers personal property (like tools and equipment) used in your business. Business AutoProtects the vehicles your business owns, rents, or leases from auto liabilities. Also helps protect personal vehicles used for work-related purposes. Cyber LiabilityProtects your business from data breaches, leaked personal information, and identity theft when you handle sensitive customer data (even credit card information). Inland MarineHelps cover business property, assets and equipment while it’s away from your business premises, in transit, or at temporary storage locations. Other Business BasicsBusiness structure*Sole proprietorLLCPartnershipS-CorporationOtherEnter business structure:*How many years have you been in business?*The number of years this business has been operating under current ownership.I’m new in business1 year2 years3 years4 or more yearsHow many years of industry experience do you have?*1 year2 years3 or more yearsWhat's your website?Please tell us what your business does.*This includes the services you provide, the goods you sell, or the products you manufacture.What type of work do you do-- commercial or residential?*CommercialResidentialBothInterior or Exterior?*InteriorExteriorBothBreakdown of trades performedCarpentry*Interior Trim*Painting*HVAC*Other*Please list the other trades you perform:*Auto Repair QuestionsDo you perform any mobile repair or roadside assistance?*YesNoAny heavy duty truck repair?*YesNoDo you work on commercial vehicles, boats, or other equipment?*YesNoHow much coverage do you need for your customer cars?*Body Shop QuestionsDo you have a UL approved Paint Booth?*YesNoEmployeesHow many employees do you have?<br><i>(not including owners)</i>*Include full-time, part-time and temporary W2 employees. Do not include owners or subcontractors (1099).Do you hire subcontractors?*YesNoFinancial InformationWhat's the total annual payroll for your business?*This includes things like salaries, commissions, bonuses, and overtime.What's your projected revenue for the next fiscal year?* Owner Information We need these details so we can email your quote when it's ready.Legal Name* First Last Phone*Email* Name of business*As it should appear on your policy. If you’re a sole proprietor, just enter your name or your trading name.When would you like coverage to start?* Date Format: MM slash DD slash YYYY Where is your business located?Primary business address*Enter your primary business address— the place where you do most of your work— even if it's your home. Street Address City StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming State ZIP Code Use this as my mailing address Approximately how many square feet does your business occupy at this location?*Is the business operated out of your home?*YesNoAny additional locations?*This includes everywhere you or your employees work. Don’t forget warehouses, back offices or storage facilities. Also include locations for employees who work from home.YesNo Coverage & Tax History Tell us a little bit about your current insurance coverage.General Liability Insurance*Have itDon't have itNot sureCurrent provider:Have you had any general liability claims in the past 3 years?*YesNoBusiness Owner's Policy*Have itDon't have itNot sureCurrent provider:Have you had any BOP claims in the past 3 years?*YesNoProfessional Liability (E&O)*Have itDon't have itNot sureCurrent provider:Have you had any professional liability claims in the past 3 years?*YesNoWorkers' Compensation*Have itDon't have itNot sureCurrent provider:Any workers' comp insurance declined, canceled, or non-renewed in the last three years?*YesNoPlease explain:*Any undisputed or unpaid workers’ comp premium (payments) due from you or any commonly managed or owned companies?*YesNoPlease explain:Does your business have a health insurance plan in effect?*YesNoAny tax liens or bankruptcy within the last five years?*YesNoBusiness Property*Have itDon't have itNot sureCurrent provider:Have you had any business property claims in the past 3 years?*YesNoBusiness Auto*Have itDon't have itNot sureCurrent provider:Have you had any business auto claims in the past 3 years?YesNoCyber Liability*Have itDon't have itNot sureCurrent provider:Have you had any cyber liability claims in the past 3 years?YesNoInland Marine*Have itDon't have itNot sureCurrent provider:Have you had any inland marine claims in the past 3 years?*YesNo General Liability Insurance Does your business perform any design, construction, installation, removal, or physical repair of any property or tangible good?*YesNoDoes your business use rented or non-owned vehicles (e.g. an employee’s car) for business purposes?*YesNoDoes any owner have 50% or more common ownership in any other business?*YesNoPercent of labor that goes to subcontractors*What percentage of your subcontractors are uninsured?*Projected cost of uninsured subcontractors:Choose your policy limits<br><i>(Each Occurrence / Aggregate)</i>*Select the amount of general liability coverage you would like for each individual claim along with a total for all the claims in a given policy term. A general liability loss can include damage caused by you and/or your employees while doing business. It can also include accidents or injuries that happen at your workplace.$500,000 / $1,000,000$1,000,000 / $2,000,000$2,000,000 / $4,000,000FEIN*Workers’ comp insurance companies require an FEIN to provide a workers’ comp quote. You can apply for an FEIN online at https://sa.www4.irs.gov/modiein/individual/index.jsp Individuals/sole proprietors may use SSN if necessary. Professional Liability Insurance List the qualifications of key personnel.NameQualifications What percentage of your gross revenue is earned from your largest client?For your single largest customer, anticipated over the next 12 months, please provide the total value of all goods or products sold, services rendered, operations performed, any rentals and fees. Do not include sales or excise taxes.In what industry do the majority of your clients work?*Do you use written contracts or statements of work for all business and services you provide?*A written contract or statement of work is a formal document that defines the scope of work, timelines, payment terms and any other key terms and conditions. Always (100%)Most of the time (75% - 100%)Sometimes (50% - 75%)Seldom (25 - 50%)Never (0%)Do you require the customer to sign-off on deliverables?*This would indicate the customer signed, initialed and/or dated any documents that define the scope of work for the project.YesNoNot sureDo you require a legal review of all contracts?*Please confirm if you use an attorney for any changes to your standard contracts. YesNoSometimesDo your contracts have indemnification clauses in your favor?*YesNoHow much coverage do you need?Choose your aggregate limit*The total coverage amount for claims expenses, damages, and supplemental payments during the policy.$500,000$1,000,000$2,000,000Choose your deductible*The amount you have to pay out of pocket before your insurance company starts helping. $2,500$5,000$7,500$10,000FEIN*Workers’ comp insurance companies require an FEIN to provide a workers’ comp quote. You can apply for an FEIN online at https://sa.www4.irs.gov/modiein/individual/index.jsp Individuals/sole proprietors may use SSN if necessary. Cyber Liability Insurance Which of the following types of client or customer information do you store electronically or in files, process or transmit? Credit or debit card numbers Social security numbers Date of birth Drivers license numbers Client medical data/records Client legal data/records Email addresses None of the above Which of the following do you have in place on your computer systems? (such as laptops, servers, or networks unless otherwise noted)* Password protection Firewalls Antivirus software None of the Above Which of the following credit or debit cards is your payment processing equipment authorized to process transactions for?* American Express Discover MasterCard Visa Other Which of the following procedures or policies do you have in place?* Criminal employee background check at hiring Written privacy policy Access to data based on job function Immediate restricted access to data upon employee termination None of the above How often is credit or debit card information purged from your systems?* Once a week Once a month Once a year Never Employees Enter an employee group for each type of work your employees perform. Only W2 employees. Not including owners. Type of work performed*Enter the type of work this group of employees performs for your business.Number of full-time employees*Number of part-time employeesEstimated payroll for this employee group*Enter the total salary amount you expect to pay this group of employees this year. Add another employee group?*Add another employee group if there's another group of employees that performs a different type of work. For example, you may own a landscaping company and most of your employees do landscaping work. But you might have employees that do clerical or outside sales, so you'll need to add an Employee Group for them.YesNoEmployee Group 2Type of work performed*Enter the type of work this group of employees performs for your business.Number of full-time employees*Number of part-time employeesEstimated payroll for this employee group*Enter the total salary amount you expect to pay this group of employees this year. Additional Crew Do you hire subcontractors?*YesNoSometimesDo you require that all subcontractors carry insurance?*YesNoWhat percentage of your subcontractors are uninsured?*Projected cost of uninsured subcontractors:*Any seasonal employees?*YesNoAny volunteer or donated labor?*YesNoDoes the business require physicals after offers of employment are made?*YesNoAre there employees other than the owner or his/her relatives?*YesNoAny employees under 16 or over 60 years of age?*YesNo Owner/Officer Info Do the owners wish to be included on the policy?*Just a fancy way of asking if they want coverage or not.YesNo*Owner NameOwner PayrollOwner Title *Owner NameOwner Gender (assigned at birth)Owner DOBBeneficiary NameBeneficiary relationship Workers' Compensation Coverage How much coverage do you need? <b>Choose your Employer's Liability Limits</b> <br>(Each accident / Policy limit / Each employee)*Select the amount of coverage you would like for each individual claim, along with the total limit for all claims in a given policy term, for each employee. 100,000/500,000/100,000500,000/500,000/500,0001,000,000/1,000,000/1,000,000Do any of your contracts require a waiver of subrogation?*YesNoI'm not sureFEIN*Workers’ comp insurance companies require an FEIN to provide a workers’ comp quote. You can apply for an FEIN online at https://sa.www4.irs.gov/modiein/individual/index.jsp Individuals/sole proprietors may use SSN if necessary. Operations Do any of the following apply to your business?* Work is performed underground or above 15 feet. The business owns, operates or leases aircraft or watercraft The business has past, present, or discontinued operations involving storing, treating, discharging, applying, disposing, or transporting of hazardous material (e.g. landfills, wastes, fuel tanks, etc) Work is performed on barges, vessels, docks, or bridges over water. The business provides group transportation. The business sponsors an athletic team. The business has an employment leasing or Professional Employer Organization (PEO) contract. None of the above Please explain:*Does anyone from the business:* Have any physical handicaps? Travel out of state for business? Work predominantly from home? Engage in another type of business? Perform work for other businesses or subsidiaries? Not have citizenship or the legal right to work in the U.S.? Implement a written safety program? None of the above Is there a workers' comp policy in effect for the other business?*YesNoDoes the business engage in any of the following operations?* Nuclear energy Railroads, ship building, underground mining, or commercial airlines Oil and gas drilling, refining or manufacturing Manufacturing, storage, or transportation of fireworks, nitrogen-glycerin, or other explosive substances or devices Professional sports teams and/or professional athletes Asbestos abatement, manufacturing or distribution Explosives manufacturers, haulers, or distributors Jones Act, Defense Base Act, Outer Continental Shelf Lands Act Demolition and blasting 24 hour operations None of the above Business Property Insurance Primary business address* Street Address City StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming State ZIP Code Do you own or rent this location?*OwnRentWould you like coverage for this building?*YesNoHow much building coverage would you like?Think of the total replacement value of the building.Business contents coverageThink of all the things inside this location that you’d like to cover.Business personal property:*The total replacement cost of your business contents. If you turned the building upside down and shook it, everything that falls out is what you'll want to include in this total.Personal property of others:The total replacement cost of things stored at your location that belong to your clients. Give the maximum value of property you would have at any given time.Tenants improvements and betterments:The total replacement value of any improvements or changes you made to your leased property. Think of any enhancements, permanent fixtures, or equipment you installed in order to do business there. Location Information We need some details about the building. If you're not sure right now, just answer what you can.Year built:What’s the total square footage of the building?How much square footage does your business use?You can measure this, or take a look at your lease. If you work from your home, this would be the square footage of the space used in your home for your business.Number of floors:How was the building framed?The 'framing' of a wall is the structure that is required for support. Sometimes called 'studs' or '2x4's. Residential buildings are usually constructed with wood framed walls.Block framed exterior wallsMetal framed exterior wallsWood framed exterior wallsI’m not sure right nowAre the exterior walls covered with a masonry veneer?A masonry veneer is a single layer of masonry material that does not provide any structural support. It’s usually decorative materials like brick, cement, stone, or stucco. Answer "yes" if masonry veneer covers more than 2/3 of your building.YesNoDoes the building have wood joists/rafters in the roof?Unless the building has a metal roof supported by metal studs, answer ‘yes’.YesNoI'm not sureDo you use any of these safeguards at this location? Sprinkler System Smoke Detectors Burglar Alarms Dead-bolt locks on exterior doors Safes for valuable items None of the above Add another location?YesNoMaybe later Add location Secondary business location Street Address City StateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyoming State ZIP Code Inland Marine InsuranceWhat's your estimated travel radius?*0-50 miles50-100 miles100-250 miles250-500 milesOver 500 milesSelect your desired deductible*The amount you have to pay out of pocket before your insurance company starts helping. $250$500$1,000$2,500$5,000 High-value item(s) Would you like to cover any equipment or other high-value items on your inland marine policy? <br><i> (These items are typically at least $1000 each.)</i>*YesNoIf you bought this same item today (used), how much would it cost? After checkout, you’ll have to provide things like the year, manufacturer, and serial number.What is it?How much is it worth? Additional Items Would you like to cover any additional items in transit?<br><i>(These are typically less than $1000 each.)</i>* Papers and records (Such as fine arts, papers and drawings) Equipment (Computers, medical equipment, high-end cameras, supplies and tools) Software and electronic assets (Accounting software, lead-tracking data, policies and procedures) Other valuables (Work items that leave the business premises) Not really Added up together, these items are worth around… Business Auto Insurance Tell us about the vehicle(s) you'd like to insure.Vehicle 1Registered state*AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingYear*Make*Model*Do you use this vehicle for deliveries or to pick up goods for hire?*YesNoWhere do you primarily drop off or pick up goods?*Individual householdsBusinessesOther locationsWhat is the estimated driving radius?*0-50 miles50-100 miles100-250 miles250-500 milesOver 500 milesAdd another vehicle to your policy?*YesNoMaybe laterVehicle 2Registered stateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingYearMakeModelDo you use this vehicle for deliveries or to pick up goods for hire?YesNoWhere do you primarily drop off or pickup goods?Individual householdsBusinessesOther locationsWhat is the estimated driving radius?0-50 miles50-100 miles100-250 miles250-500 milesOver 500 milesAdd another vehicle to your policy?*YesNoMaybe laterVehicle 3Registered stateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingYearMakeModelDo you use this vehicle for deliveries or to pick up goods for hire?YesNoWhere do you primarily drop off or pickup goods?Individual householdsBusinessesOther locationsWhat is the estimated driving radius?0-50 miles50-100 miles100-250 miles250-500 milesOver 500 milesAdd another vehicle to your policy?*YesNoMaybe laterVehicle 4Registered stateAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingYearMakeModelDo you use this vehicle for deliveries or to pick up goods for hire?YesNoWhere do you primarily drop off or pickup goods?Individual householdsBusinessesOther locationsWhat is the estimated driving radius?0-50 miles50-100 miles100-250 miles250-500 milesOver 500 miles Driver Information Give us a little information about the driver(s) you'd like to insure. Name* First Last Date of Birth*Driver's license #*Any tickets or traffic violations in the last 3 years?*YesNoAdd another driver?*YesNoMaybe laterDriver 2Name First Last Date of BirthDriver's license #Any tickets or traffic violations in the last 3 years?YesNoAdd another driver?*YesNoMaybe laterDriver 3Name First Last Date of BirthDriver's license #Any tickets or traffic violations in the last 3 years?YesNoAdd another driver?*YesNoMaybe laterDriver 4Name First Last Date of BirthDriver's license #Any tickets or traffic violations in the last 3 years?YesNo
