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COMPARE INSURANCE
QUOTES FOR WORKERS
COMPENSATION,
GENERAL LIABILITY,
BUSINESS PROPERTY,
BUSINESS AUTO &
MORE...
COMPARE INSURANCE
QUOTES FOR BUSINESS
AUTO
Commercial Auto
Insurance or
Business Auto
Insurance policies
are commercial
insurance policies
written to cover
vehicles used during
the course of
business. Usually
the vehicle is owned
by the company
purchasing the
commercial auto
insurance policy.
COMPARE INSURANCE
QUOTES FOR WORKERS
COMPENSATION
Workers compensation
is designed to cover
employees for
accidents or
illnesses that occur
while on the job.
Many states make it
mandatory to have
workers compensation
coverage if you have
even just one
employee (be sure to
check your specific
state as the
requirements vary
greatly from state
to state).
Coverage's provided
to a worker vary
depending on the
incident and range
from simple doctor
bills to total
rehabilitation and
death benefits.
COMPARE INSURANCE
QUOTES FOR GENERAL
LIABILITY
Business Liability
Coverage applies to:
Premises liability
arising out of the
ownership,
maintenance or use
of the premises;
Products liability
for goods and
products
manufactured, sold,
or distributed;
Completed operations
liability for
services provided or
work done for
others;
Personal injury
liability and
advertising injury
liability of the
insured; and
Medical payments
coverage.
There two basic
coverage forms to
choose from.
CG 00 01, is the
"occurrence" form.
It covers losses
where the injury or
damage occurs during
the covered policy
period, regardless
of when the
insurance company is
notified of the loss
or claim. The key to
this coverage
approach is the date
of loss or the
period of time when
the loss occurs.
CG 00 02 is the
"claims-made"
coverage form. With
this form, coverage
is triggered by the
actual filing date
or receipt of the
claim, in addition
to the date or
period of time in
which the loss or
injury occurs. This
form handles any
covered loss or
claim filed during
the policy period,
regardless of when
the actual loss or
injury occurred.
This is subject to
the retroactive date
indicated on the
declarations. While
the retroactive date
can be any date, for
complete protection
it should be the
first date that
claims-made coverage
was applied to the
risk. This is
because an
occurrence coverage
form applies to any
loss or damage
before that date.
Claims-made coverage
applies only to
covered losses
occurring after the
retroactive date.
COMPARE INSURANCE
QUOTES FOR BUSINESS
PROPERTY
Business Property
policies can provide
coverage for
buildings, contents
and Tenant
Improvements &
Betterments. If you
lease or rent, you
would most likely
want Business
Personal Property
Coverage to insure
your equipment,
desks, pc's etc.
You can get the
coverage on a RC
(replacement cost,
what it costs to
replace it, not what
it is actually worth
at the time of the
loss) or on ACV
(Actual Cash Value,
the value the
insured item is
worth at the time of
loss regardless of
what it would cost
to replace it).
Compare Insurance
Quotes
@
Monument Commercial
Insurance Agency
Also, read more at
squidoo –
compare insurance
quotes
The above
information is for
general
informational
purposes only and is
not to be construed
as a recommendation
or advice in any way
shape or form. |
