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Business Insurance FAQ

We’re big believers in keeping things simple, so ask us anything and we’ll answer honestly and without the jargon.

What Type Of Insurance Is Best For My Business?

In order to provide you with the most suitable protection, it's essential for us to grasp the nature of your business operations. For instance, the insurance needs of a retail business greatly differ from those of a General Contractor. Nevertheless, General Liability insurance remains a common requirement for nearly all businesses.

How Much Is Business Insurance?

The cost of business insurance varies widely based on several factors, including:

  1. Type of Business: A high-risk business, like construction, typically has higher insurance premiums than a low-risk business, such as a consulting firm.
  2. Location: Businesses in areas prone to natural disasters might face higher premiums. Moreover, insurance costs can vary from state to state.
  3. Coverage Needs: Depending on what you want to protect (e.g., property, vehicles, employees), your coverage needs will differ.
  4. Number of Employees: Worker’s compensation insurance, which is mandatory in many places, will cost more for businesses with more employees.
  5. Business Revenue: Some policies, like general liability, might be based on the business's revenues.
  6. Claims History: If your business has a history of many claims, you'll likely face higher premiums.
  7. Deductible Amount: A higher deductible (the amount you pay out of pocket before insurance kicks in) usually means lower premiums.
  8. Policy Limits: The maximum amount the insurance company will pay for a claim affects the premium. Higher limits generally mean higher premiums.

Who Can Get Business Insurance?

We insure wide variety businesses, including contractors, retailers, manufacturers, health and fitness, professional services, building owners, distributors, wholesalers and more.

Why Choose USA Business Insurance Services?

We pride ourselves in specializing in small business insurance. Our success story begins back in 2007 when we started a small insurance business. Over the years we expanded our capacity to serve clients in all 50 states in the US.

How To Get Business Insurance?

Give us a call or complete our fast quote form and we’ll get you insured in a jiffy...QUOTE NOW

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