Let Business Insurance Now Help You Manage Your Small Business Risk
Risk is inherent in running any small business - the right business insurance can help you manage that risk. Business Insurance Now makes it easy for you to get the General Liability insurance, Professional Liability insurance, Umbrella Liability insurance, and Workers' Compensation insurance you need quickly, efficiently, and affordably.
Give us 15 minutes or less...and we'll have you covered!!!
Our secure and efficient software system was developed to provide you with accurate business insurance information quickly and accurately. Office and professional services businesses are our specialty. Let us help you create a small business insurance solution that fits your needs and your budget. Business Insurance Now works with some of the nation's leading carriers to provide business liability insurance (Commercial General Liability insurance) to protect your liability risk when a client visits your office or when you are at the client's location. In addition, with a small business insurance package policy, we can provide coverage for your business property in the event of theft, fire, and other causes or loss.
Don't wait, get the protection you need today for your small business with Business Insurance Now!
Types of Small Business Insurance
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Professional Liability Insurance (Errors and Omissions, E&O)
Professional Liability insurance, also referred to as Errors and Omissions insurance or E&O , is insurance to protect you and your company in the event a client alleges they have suffered a financial loss as a result of an error or an omission committed by you in the delivery of your professional services. This coverage is separate from a General Liability (GL) policy which would cover you mainly for bodily injury or property damage liability.
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Workers' Compensation Insurance
Workers Compensation insurance provides medical and disability coverage for your company employees in the event of a work related illness or injury. The employers' liability portion of most Workers' Compensation policies protects your company in the event that an employee files suit claiming that your company's negligence was the cause of the work related illness or injury. Workers' Compensation insurance is required in many states.
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Business Liability Insurance Package Policy
Often referred to as a Business Owners Policy (BOP), a General Liability package policy protects your company in the event that a client is injured on your premises or if you or one of your employees injures someone or damages property at a client's location. The General Liability coverage on a business liability insurance policy also meets your landlord's requirement that you carry business premises liability insurance.
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Umbrella Liability Insurance
An Umbrella Liability (more accurately Excess Liability) provides coverage for claims that exceed the amount of coverage on your General Liability policy and may also add coverage to your Commercial Auto coverage as well as the Employers' Liability coverage on your Workers' Compensation policy. Coverage is triggered when claims are in excess (thus the name) of the underlying insurance.
For more information on Workers' Compensation insurance, Professional Liability insurance (E&O insurance), General Liability insurance, and Umbrella Liability insurance see our Coverage Review pages.
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