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Business Insurance Info

Shopping for everything you need to keep your business running smoothly can be a full-time job. And when it comes to getting business insurance quotes, there is a lot you need to know. This is whereNassiri Insurance Services can help. We provide a wide range of resources that help you learn what to look for in a policy and how to identify the best coverage for your business insurance needs.

Once you've done researched and you’re ready to obtain business insurance , just complete and submit our simple online questionnaire in as little as two minutes. Once we've received your free business insurance quote request, Nassiri Insurance Services can help you choose quality coverage at a cost that fits your budget comfortably.

There’s no better time than now to starting saving up to 20% on insurance premiums by shopping online with us.

Why Do You Need Business Insurance?

Whether your business is well-established or just getting started, business insurance can help you protect your investment against a variety of losses. Also, your state may require that you carry certain types of insurance, such as workers’ compensation, in order to operate your business.

Your business may be eligible for a business owner’s policy (BOP), which combines many important features of commercial property, general liability and business income coverage under one policy—coverages that are typically purchased individually at higher premium rates. Keep in mind, however, that a BOP does not cover all types of losses, and not all businesses are eligible.

How to Shop Smart for Business Insurance Quotes

The first step in shopping for business insurance quotes is to check with your state’s insurance department to learn what types of coverage are required by law. Next, in order to obtain quotes, identify the types of coverage you need. Below are some of the coverages businesses typically carry:

  • Property insurance covers losses due to damage to real property or personal property such as fixtures, equipment, and inventory.
  • General liability covers liabilities arising from accidents on your business’s property, injuries that result from the use of your company’s products, and legal costs related to the defense of a liability claim. Errors and omissions (E&O) insurance is a specific type of liability insurance.
  • Automobile insurance provides coverage for company-owned vehicles.
  • Umbrella insurance protects your business against claims larger than the amounts covered by general liability insurance.
  • Workers’ compensation covers employees for injuries sustained on the job.

Remember that you can save on business insurance premiums by carrying higher deductibles. But buyer beware: make sure your deductibles aren’t higher than you can afford to pay out of pocket should you suffer a loss.

Finally, ask about discounts when obtaining business insurance. It may be to your advantage to purchase all of your insurance policies from the same insurance company. Insurers frequently offer discounts for multiple policies, and any personal policies you hold may qualify. Also, if your business is part of a professional or trade association, find out if the organization endorses a particular insurance company. If so, that company may provide a discount or other incentives to members of the association.

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