Name, DOB, DL # for all household drivers; Vin # for all household vehicles are required to get a personal quote; address; current liability limits and deductible amounts; how long with current company; annual miles driven.
A copy of your current declaration pages or name of the owner, address, current dwelling coverage and liability limit, deductible amount, personal items of value, additional endorsements like water sewer back up, service line coverage, etc.
Business name, address, year started, detailed business operations, number of owners/partners and their duties, number of employees and their duties, employees payroll listed by job function, FEIN number.
Name of business, address, year business was established, numbers of owners/partners, number of employees and total annual payroll, business detailed operations, gross annual sales, type of the business ( corporation, partnership, LLC, etc.)
As long as the insurance company has strong financial ratings, then you want to pick the company with the most coverage at the lowest price.
Always match up the main provisions of your current policy versus the competitor. The main coverages will be easy to see, right them down side-by-side. There typically is a difference in coverage besides price and some agents will change a main factor to lower the price.
Absolutely! If you have employees, then you need workers compensation coverage by law. If you offer consulting or are a service company, then you need professional liability. Almost all businesses need General Liability. If your business owns cars or trucks, then you definitely need to consider a commercial auto policy.
The average cost depends on many factors. Location, history, type of risks, sales and size of the company. Brokers get quotes from multiple companies to determine the best option.
These policies provide coverage if your property is damaged in an accident or in the unfortunate event where you injure someone else or their property.