Business Insurance?
Answers:
Yes, a local, independent agent can get this in place for you. For a one man shop, it should run you around $1500 a year.
Try Allstate or State Farm.
Shop around. Talk to brokers. Not all brokers offer small business liability insurance. As an accountant, I got my best deal through The Hartford-- but there weren't many options for a business like mine.
Also ask other business people who they use and whether they like them (both insurance brokers and insurers). They'll be glad to tell you how great or how bad the people are that they insure through.
Congrats to you for opening a small business. When it comes to insurance, best thing you can do is to get an "insurance broker". They will be able to match you with an insurance company with services that will meet your needs. Browse thru your phone book or the internet for a local insurance broker. Get references and ask lots of questions when choosing a broker who will represent you.
If anything call your local SBA for free advice. I'm sure they will be willing to help you plus provide you with a wide range of resources.
http://www.sba.gov/index.html
"Some Red Flags to look for
An agent who delays giving answers, fails to hang over a policy, or neglects to provide proofs of endorsements.
Routine answers such as "Don't worry about it"
A delayed premium refund
A hand-delivered policy instead of one sent directly from the company.
An adjuster who says it will cost you more to process the claim than the amount of your deductible.
Delay tactics to encourage you into a lower settlements
Attempts to minimize your damages to save the company from having to pay on the claim
Request by the adjuster to keep the claim or proposed settlement a secret.
An offer of a new policy to replace one that is flawed."
Business and Marketing Student
try this please http://www.kqzyfj.com/click-1748196-1042...
please click "2insure4less" for main menu after u reach the page
there are a few,,
http://www.zurichna.com/small_business_i...
http://www.aigsmallbusiness.com/...
http://www.linkbrander.com/go/43236...
had to shorten it,,,, I hope this gives you an idea,,
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