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Preview: About.com Business Insurance: Most Popular Articles

About.com Business Insurance: Most Popular Articles



These articles are the most popular over the last month.



Published: Sun, 21 Aug 2016 11:16:27 +0000

 



How Agents and Brokers Make Money

2016-08-21T11:16:27Z

How does an insurance agent differ from a broker? How does each make money from the premiums you pay? The answers are in this article.



What are Endorsements?

2016-08-21T11:16:27Z

Endorsements are documents attached to an insurance contract that amend the policy in some way. This article explains the functions they serve.



Contractual Liability - What is it?

2016-08-21T11:16:27Z

Contractual liability is covered under a general liability policy . It covers liability that one party assumes on behalf of another via a contract.



Insurance Binders - What are They?

2016-08-21T11:16:27Z

A binder serves as a temporary policy. Learn why it is important and what type of information it is likely to contain.



How to Choose the Right Insurer

2016-08-21T11:16:27Z

Shopping for an insurer? Here are six factors to consider when comparing one insurer to another.



What's Covered by a General Liability Policy?

2016-08-21T11:16:27Z

A general liability policy provides basic coverages every business needs. It is a generic policy designed to cover virtually any type of business.



What is an Insurance Exclusion?

2016-08-21T11:16:27Z

An exclusion is a policy provision that eliminates coverage for some type of risk. Exclusions can often be found throughout the policy.



How to Use Section 125 Plans to Save Health...

2016-08-21T11:16:27Z

Section 125 Plans, also called Cafeteria Plans, are a cost-saving tool for employers who wish to offer fringe benefits to their employees.



Coverage for Your Products and Completed Work

2016-08-21T11:16:27Z

Claims stemming from products you've sold or work you've completed may be covered by a liability policy under products-completed operations coverage.



What is an "Insured Contract?"

2016-08-21T11:16:27Z

Insured contract is a defined term under a general liability policy. It determines the types of contracts that are covered under contractual liability.



25 Largest U.S. Property/Casualty Insurers

2016-08-21T11:16:27Z

Here's a list of the top property/casualty insurance groups in the United States. The insurers are ranked according to premiums.



What are the 15 Largest Insurance Brokers?

2016-08-21T11:16:27Z

Here's a list of the 15 largest insurance brokers in the based on revenue generated from U.S. clients in 2014.



Why You Need Product Liability Insurance

2016-08-21T11:16:27Z

Product liability insurance protects a business against claims arising from products the business manufactures or sells to others.



Should You Buy A Claims-made or Occurrence...

2016-08-21T11:16:27Z

Liability policies may apply on either a claims-made or an occurrence basis. Learn how the two types differ.



The Basics of a Commercial Property Policy

2016-08-21T11:16:27Z

Learn how a typical commercial property policy is structured and the coverages it is likely to include.



Commercial Auto Liability - What's Covered?

2016-08-21T11:16:27Z

Commercial auto liability coverage is important if your company uses autos, whether it owns them or not. Find out what types of claims your policy covers.



5 Benefits of Using an Independent Agent

2016-08-21T11:16:27Z

Why utilize an independent insurance agent when you can buy insurance online? Here are five ways you will benefit by using an agent.



Decoding the Symbols on Your Commercial Auto...

2016-08-21T11:16:27Z

Commercial auto policies utilize numbers called covered auto designation symbols to determine the types of autos that are covered.



Do You Need Additional Insured Coverage?

2016-08-21T11:16:27Z

Learn the basics of additional insured coverage: what it is, why is it needed. and what to watch out for when obtaining or providing it.



25 Largest Property/Casualty Insurance Agencies

2016-08-21T11:16:27Z

Here's a list of the 25 largest property/casualty insurance agencies based on 2014 revenue.



Your Workers Compensation Policy

2016-08-21T11:16:27Z

Learn what coverages are afforded under a standard workers compensation policy and the benefits your workers are likely to receive if injured on the job.



Obligations of Your Agent or Broker

2016-08-21T11:16:27Z

Insurance agents and brokers are regulated by the states to ensure they fulfill their legal obligations to insurance buyers.



Coverage for Your Discontinued Products and...

2016-08-21T11:16:27Z

Are you going out of business? Do you make a product or perform work for others? If so, you need discontinued products-completed operations coverage.



Insurer Ratings - What Do They Mean?

2016-08-21T11:16:27Z

Learn about the insurance company ratings produced by the four major rating firms: Fitch, A.M. Best, Standard & Poor's, and Moody's.



Liability Coverage for Social Hosts

2016-08-21T11:16:27Z

Host liquor liability coverage protects your firm against claims or suits that arise from the serving of alcohol in a social setting.



Ensuing Loss Coverage - What is It?

2016-08-21T11:16:27Z

Virtually all commercial property policies afford some coverage for ensuing loss. This coverage applies to a chain of events that begins with an excluded peril.



Home-Based Business Insurance Basics

2016-08-21T11:16:27Z

Home-based businesses need business insurance to protect the business just like any other business. Learn the most common types of business insurance.



Do You Need a Liquor Liability Policy?

2016-08-21T11:16:27Z

Liquor liability insurance protects bars, restaurants and other businesses against lawsuits that arise from the sale or service of alcoholic beverages.



What You Need to Know About OSHA

2016-08-21T11:16:27Z

All businesses must comply with workplace standards issued by OSHA. Learn what OSHA does and what services it offers to small businesses.



What is Workers Compensation Insurance?

2016-08-21T11:16:27Z

Learn the basics of workers compensation coverage. If your company employs workers, you are likely obligated by law to purchase this coverage.



Do You Need Errors and Omissions Coverage?

2016-08-21T11:16:27Z

Does your business perform a service or provide advice to others for a fee? If so, you may need errors and omissions liability coverage.



What is Stated Amount Coverage?

2016-08-21T11:16:27Z

Physical damage coverage may be provided on a stated amount basis when the value of a vehicle (such as an older truck) is difficult to establish.



How Experience Rating Affects Your Premium

2016-08-21T11:16:27Z

Experience rating is a mechanism that increases or decreases your workers compensation premium based on your company's loss history.



What are Defamation, Libel and Slander?

2016-08-21T11:16:27Z

Libel and slander are types of defamation. Both are covered by a general liability policy under Personal and Advertising Injury Liability.



Why You Need Fire Insurance

2016-08-21T11:16:27Z

Most businesses that own property need insurance to protect them against the risks of fire. This article explains the basics of fire insurance.



Private Company Directors and Officers Coverage

2016-08-21T11:16:27Z

Directors and officers of private companies may be sued by competitors, vendors, regulators and others. Learn the basics of private company Directors and Officers coverage.



Coverage for Suits by Injured Workers

2016-08-21T11:16:27Z

Employers Liability is covered via Part Two of the standard workers compensation policy. Learn how it protects you against suits by injured workers.



What Does a Surplus Lines Broker Do?

2016-08-21T11:16:27Z

If your agent is unable to obtain insurance on your behalf from a standard insurer he or she will likely contact a surplus lines broker. Learn what these brokers do.



An Introduction to Lloyd's of London

2016-08-21T11:16:27Z

Lloyd's of London has existed for centuries but many people aren't sure what it does. This article explains what Lloyd's is and how it operates.



Are You Insured Against an Earthquake?

2016-08-21T11:16:27Z

Damage to your business caused by earthquakes are not covered by your business insurance policy. If your business is in an area prone to earthquakes, then such business insurance coverage should be considered.



How Hard and Soft Markets Affect You

2016-08-21T11:16:27Z

Is the insurance market hard or soft? The answer can have a major impact on the availability of insurance and the price you pay for a policy.



Mold Coverage Under Your Property Policy

2016-08-21T11:16:27Z

Many property policies provide limited coverage for damage caused by fungus (mold). Learn what is and what's not covered by a typical policy.



Commercial Casualty - What Is It?

2016-08-21T11:16:27Z

Commercial casualty is a branch of business insurance that includes coverages like general liability, commercial auto and workers compensation.



Employee Versus Independent Contractor

2016-08-21T11:16:27Z

Learn how to determine whether a worker qualifies as an employee or an independent contractor for the purposes of workers compensation insurance.



Top Ten Dumbest Lawsuits

2016-08-21T11:16:27Z

While many lawsuits filed against businesses are legitimate, some can seem downright ridiculous. Here are ten examples of dumb lawsuits.



Your Lender's Rights Under Your Property Policy

2016-08-21T11:16:27Z

Many commercial property policies contain a standard clause. Learn why this clause is important to lenders.



How to Cover Your Landlord as an Additional...

2016-08-21T11:16:27Z

Many commercial leases require the tenant to cover the landlord under the tenant's general liability policy as an additional insured.



What Do Those Conditions Mean in Your Policy?

2016-08-21T11:16:27Z

Insurance conditions are rules of the policy. This article deciphers some of those confusing clauses often found in commercial policies.



Four Things Covered by Business Policies

2016-08-21T11:16:27Z

What types of policies does your firm need? This questions may be easier to answer if think of your business in terms of four basic categories.



Who's an Insured Under a Commercial Auto Policy?

2016-08-21T11:16:27Z

Who qualifies an an insured under your business auto policy? This article explains in detail what persons and entities are covered.



Subrogation — What Does It Mean?

2016-08-21T11:16:27Z

What is subrogation and why is it important? Learn what this term means and why a subrogation clause appears in virtually all insurance policies.



What's Not Covered by Auto Liability Coverage

2016-08-21T11:16:27Z

While auto liability insurance covers many types of claims stemming from auto accidents, it does contain exclusions. Find out what kinds of claims are not covered.



Types of Business Insurance

2016-08-21T11:16:27Z

There are many types of business insurance. Here is a list of the nine types of insurance policies for property, liability, health, and more.



What Your Agent Should Do For You

2016-08-21T11:16:27Z

Agents and brokers earn commissions on the premiums your pay for insurance. Find out what services you can reasonably expect them to provide in return.



Decyphering Commercial Auto Rates

2016-08-21T11:16:27Z

To calculate commercial auto liability and physical damage premiums, most insurers use a rating system developed by ISO.



Insurance Release Forms for Business

2016-08-21T11:16:27Z

Business insurers may require the use of a release form or limitation on liability form be used by your business. Do release forms limit liability?



If Your Landlord Sues you for Fire Damage, are...

2016-08-21T11:16:27Z

Damage to Premises Rented to You is a liability coverage that protects tenants against claims arising from fire damage to rented buildings.



Contractual Liability Coverage for Injuires to...

2016-08-21T11:16:27Z

Have you signed a contract that makes you liable for claims stemming from injuries to your employees? Your liability policy should cover such claims.



Basics of Workers Compensation Insurance

2016-08-21T11:16:27Z

Workers' Compensation Insurance is mandated by state law and should be considered first in a business insurance plan.



Paying Medical Expenses Out of Pocket

2016-08-21T11:16:27Z

If an employee sustains a minor injury on the job should you pay the medical bill out of pocket? Here are some important issues to consider before making a decision.



Structure of an Insurance Policy

2016-08-21T11:16:27Z

Do you know how insurance policies are constructed? This article describe each section and the type of information you are likely to find there.



Liquor Liability Insurance - Do You Need It?

2016-08-21T11:16:27Z

Liquor liability insurance protects your business against claims that occur because a patron has become intoxicated and injured someone else.



How to Insure Hired Autos for Liability and...

2016-08-21T11:16:27Z

Rental vehicles, called hired autos under a commercial auto policy, may be insured for liability coverage, physical damage coverage, or both.



Covering Personal and Advertising Injury

2016-08-21T11:16:27Z

Personal and advertising injury insurance covers certain intentional acts (called intentional torts) like libel and false arrest.



Protecting Your Business from Advertising...

2016-08-21T11:16:27Z

Advertising injury is automatically included in most general liability policies. Find out what types of claims it covers.



Self-insurance Options for Small Businesses

2016-08-21T11:16:27Z

Risk retention, also called self-insurance, can be an effective tool for lowering your insurance costs. Find out what options are available to small businesses.



When Injured Workers Can Sue Their Employer

2016-08-21T11:16:27Z

Injured employees are generally barred from suing their employer under the exclusive remedy rule but the rule has some exceptions.



Save Premium Dollars With a Self-Insured...

2016-08-21T11:16:27Z

A self-insured retention can be an effective way to save money on insurance premiums. This article will explain how it works.



What Does the Insurance Services Office (ISO) Do?

2016-08-21T11:16:27Z

The Insurance Services Office (ISO) is a research organization that provides statistical, reporting, policy writing and other services to insurers.



Should You Buy an Extended Reporting Period?

2016-08-21T11:16:27Z

Many claims-made policies include an extended reporting period, a time period for reporting claims made after the policy has expired.



Uh Oh, a Leaky Water Pipe!

2016-08-21T11:16:27Z

Many business owners experience property damage caused by water from a leaky pipe. Learn what types of water losses are covered under a typical property policy.



Should You Buy Auto Medical Payments Coverage?

2016-08-21T11:16:27Z

Auto medical payments insurance covers medical expenses incurred by you or your passengers due to injuries sustained in auto accidents.



Top 10 insurance Claims

2016-08-21T11:16:27Z

A study by Hartford Insurance shows what types of claims are most commonly incurred by small businesses and what types of claims are the most costly.



Protecting Your Business From Sinkholes

2016-08-21T11:16:27Z

Sinkholes can cause major damage to business-owned property. Learn why and where they occur, and how sinkhole damage is typically insured.



The Basics of Workers Comp Classifications

2016-08-21T11:16:27Z

Rates you pay for workers compensation coverage vary depending on the classifications assigned to your business.



Buying a Claims-made Policy? Watch for These...

2016-08-21T11:16:27Z

Shopping for a claims-made policy? Here are some pitfalls to watch out for when considering a policy or when comparing one policy with another.



What Does Concurrent Causation Mean?

2016-08-21T11:16:27Z

Concurrent causation and anti-concurrent causation are important concepts in property insurance. This article explains these terms in simple language.



Waivers of Subrogation - What are They?

2016-08-21T11:16:27Z

Many contracts used in business contain a waiver of subrogation clause. Learn about waivers and how they impact your insurance coverage.



What Aspiring Bar Owners Should Know About...

2016-08-21T11:16:27Z

Like any business, a bar or other liquor establishment requires insurance. Learn what types of coverages a bar or tavern is likely to need.



Covering Additional Insureds Under your...

2016-08-21T11:16:27Z

Businesses are often asked to insure other parties as additional insureds. Learn why these requirements exist and how they affect your insurance.



How an Occurrence Policy Differs From a...

2016-08-21T11:16:27Z

Commercial liability insurers offer two types of policies: claims-made and occurrence. Learn how they differ.



The Meaning of "Coverage Territory"

2016-08-21T11:16:27Z

class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Many commercial



Hedge your Bets With Medical Payments Coverage

2016-08-21T11:16:27Z

Medical Payments Coverage pays injured parties' medical expenses regardless of fault. Thus, it can head off lawsuits against your firm.



Types of Property Insurance You May Need

2016-08-21T11:16:27Z

Commercial property is a broad category that includes many types of coverage. Learn what types of coverage your business may need.



Oh No! It's a Non-renewal Notice!

2016-08-21T11:16:27Z

State laws may restrict your insurer's right to non-renew your insurance coverage. Learn how these laws typically apply.



What is Directors and Officers Liability...

2016-08-21T11:16:27Z

Directors and officers liability coverage protects corporate officers and directors from lawsuits filed by third parties, including shareholders.



What Does Property Damage Mean?

2016-08-21T11:16:27Z

class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >The word property



Does Your Liability Policy Cover Aircraft?

2016-08-21T11:16:27Z

Many companies use aircraft for business purposes. Find out whether claims arising from the use of aircraft are covered by your liability policy.



Can Your Insurer Cancel Your Policy?

2016-08-21T11:16:27Z

Virtually all insurance policies contain a cancellation clause, which outlines the circumstances under which your insurer may cancel your policy.



What is Insurable Interest?

2016-08-21T11:16:27Z

Insurable interest is a basic principle of property insurance. It distinguishes insurance from gambling and helps protect society against fraud.



A Dividend Plan Can Save You Money

2016-08-21T11:16:27Z

A dividend plan can be an effective tool for saving money on workers compensation premiums. This article explains how dividend plans typically work.



What Does Personal and Advertising Injury Mean?

2016-08-21T11:16:27Z

Personal and advertising injury is a defined term that determines the offenses covered under Personal and Advertising Injury Liability Coverage.



Why You Need Employee Benefits Liability Coverage

2016-08-21T11:16:27Z

Errors in administering employee benefits can lead to lawsuits against your firm. Protect yourself by purchasing employee benefits liability coverage.



What's a Certificate of Liability Insurance?

2016-08-21T11:16:27Z

A certificate of liability insurance is used to verify the existence of liability coverage. Find out what types of information it typically contains.



When Your Vehicle Has Been "Totaled"

2016-08-21T11:16:27Z

class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >Has your insurer



Deciphering Your Liability Rates

2016-08-21T11:16:27Z

Have you ever wondered how your general liability premium was derived? This article describes a classification and rating system used by many insurers.



The Basics of Umbrella Policies

2016-08-21T11:16:27Z

What should you consider consider before buying a commercial umbrella policy? This article outlines some important features to look for.



What Does "Occurrence" Mean?

2016-08-21T11:16:27Z

class="no-js" itemscope itemtype="http://schema.org/Article" > itemprop="description" >One of the primary



Filing a Business Insurance Claim

2016-08-21T11:16:27Z

Do you know what to do when a loss occurs? This article explains the three steps involved in filing a claim: planning, reporting and following up.



Faked Worker Injuries - Do You Know the Signs?

2016-08-21T11:16:27Z

A fraudulent workers compensation claim can have a significant impact on your small business. Learn what signs may indicate an injury has been faked.