BUSINESS INSURANCE SOLUTIONS

Business Insurance

Business Insurance will protect all aspects of your business across the various coverage types you can get. There are general coverage options, such as Business Owners Policy and Commercial Auto, and specific industry coverages, such as Auto Repair Shop Insurance and Coffee Shop Insurance.

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IT Consultants Insurance

IT Consultant Insurance

An IT consultant’s time is generally filled with finding potential clients, bidding on jobs, and keeping up with the latest in the industry. As a result, insurance is probably the last thing independent consultants think about when starting out. Like any small business money is tight and most IT professionals are more worried about paying the monthly bills, keeping their computer and knowledge up to date, and purchasing that expensive software necessary for doing business.”

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Landscaping and Lawn Care Services

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Washington Business Insurance

Nicknamed the “Evergreen State,” Washington is a beautiful and scenic state with some of the most magnificent forests in the country, as it is known for its many varieties of trees. Agriculture and farming is a prevailing industry in Washington. Not only is the state a leading producer of apples, but also peas, lentils, hops, pears, red raspberries, sweet cherries, apricots, asparagus, spearmint oil, grapes, and peppermint oil. Washington is home to several Fortune 500 companies including Microsoft, Starbucks, Amazon and Costco. The state is also ranked fifth in technology and innovation and eighth for access to capital by the 2011 CNBC Top States for Business. Manufacturing is also a leading industry in Washington, including the production of aircraft, missiles, shipbuilding, lumber, food processing, metal products, chemicals, and transportation equipment. Tourists of Washington enjoy visiting the North Cascades National Parks, Mt. Rainier, Mount St. Helens, Whitman Mission, Pacific Science Center and the Space Needle in Seattle. With all the state has to offer, a small business in Washington has a plentitude of opportunities. But along with these opportunities, comes risk, so it is important that business owners obtain the proper business insurance in Washington as well.

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Wyoming Business Insurance

Wyoming, nicknamed “The Equality State” and “The Sagebrush State” is known for its wildlife, lakes, grasslands and mountains. Ranked an impressive second in economy and fourth in quality of life by the 2011 CNBC Top States for Business, Wyoming is a leading producer of coal, petroleum and natural gas. The state also has the largest sodium carbonate deposits in the world and the second largest uranium deposits in the United States. Aside from natural gas, coal and petroleum, Wyoming is also a leading producer of sheep and wool, beef cattle, and hogs. The state’s farms grow wheat, sugar beets, corn, oats, barley, and alfalfa. Tourism is also a big industry in Wyoming as visitors are attracted to Yellowstone National Park, Grand Teton National Park, Jackson Hole National Monument, Flaming Gorge, and Fort Laramie National Historic Site. Because your business in Wyoming is one of a kind, its important to understand the different types of business insurance in Wyoming options.

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Wisconsin Business Insurance

Nicknamed “The Badger State,” Wisconsin has several Fortune 500 companies residing in their fine state including Kohl’s, Manpower and Oshkosh. Tourism is one of the leading industries in Wisconsin due mainly to seekers of outdoor recreation and adventure, including hunting, fishing, hiking, water sports, swimming, boating, and camping. Wisconsin has 15,000 lakes to be enjoyed by outdoor enthusiasts as well as plenty of hiking and horseback riding trails, as well as 95 state parks and forests. Wisconsin produces about 25 percent of the nation’s cheese. Running a business in Wisconsin isn’t without its risks, and without the right business insurance in Wisconsin policies to cover it, you could find your earnings and livelihood at risk.

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Vermont Business Insurance

Ranked third in quality of life and fourth in education by CNBC’s 2011 Top States for Business, conducting a business in Vermont offers a wide range of possibilities. Nicknamed the “Green Mountain State,” Vermont is known not only for its magnificent landscapes, including lush forests and famous ski resorts, but also for being heavily independent. Vermonters take pride in the independence they have maintained since the early settlers and modern-day Vermont residents remain free thinkers who focus on individuality. The state of Vermont is a leading producer of monument granite, marble, and maple products as well as talc. Agriculture farming is another big commodity in Vermont, which encompasses fruit trees and dairy farming. Manufacturing is prominent in Vermont as well, showcasing fabricated metal products, electrical equipment, paper, and printing and publishing. Tourists are attracted to Vermont for their skiing possibilities, hunting, fishing, and hiking. If you operate a small business in the state, consider the various business insurance possibilities in Vermont available to you.

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Utah Business Insurance

In the state of Utah, agriculture dominates the business industry, as the state focuses on cattle, calves and hogs, dairy products, hay, and greenhouse and nursery products. “The Beehive State” is also a leading state in mining, tourism, aerospace, biomedical, and technology-related industries. Among its other industries, tourism brings in visitors every year to visit the 11,000 miles of fishing streams and 147,000 acres of reservoirs and lakes, not to mention the great skiing. Thumbtack.com recently released data from a survey indicating that Utah is one of the top four friendliest states in the nation toward small businesses, and one of the easiest states to start a business. Owners of a small business in Utah understand the importance of obtaining good business insurance in Utah for optimum coverage.

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Texas Business Insurance

Are you considering starting a business in Texas? Or perhaps you already have one. Nicknamed the “Lone Star State,” the big state of Texas is home to over 50 Fortune 500 companies including J.C. Penney, At&T, and Dell. Texas is ranked first in Infrastructure and Transportation, fourth in technology and innovation and access to capital, and fifth in cost of living, according to the 2011 CNBC Top States for Business. It’s no wonder business owners are in hog-heaven, with these impressive stats. The state of Texas is the leader in a variety of areas of business, including oil, beef products, and cotton. Combined with its agriculture, oil, and tourism industries, it is no surprise a small business in Texas is bound to be highly successful. Before you solicit Texas insurance quotes, take a look at some basic information on the most common types of business insurance in Texas.

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Tennessee Business Insurance

Tennessee, home to eight Fortune 500 companies, including FedEx, Dollar General, and AutoZone, has also been ranked several times on the 2011 CNBC Top States for Business: second in cost of living, fifth in intrastructure and transportation, eighth in business friendliness, and ninth in workforce. With all these impressive accolades, it stands to reason why conducting business in Tennessee is a business owners dream. Nicknamed the “Volunteer State,” Tennessee has a number of large industries including music, manufacturing, agriculture, and tourism. Memphis, Tennessee is known as “Birthplace of the Blues” and Nashville, Tennessee– labeled as the country music capital of the world — has over 100 recording studios. Manufacturing in Tennessee consists of a variety of products including textiles, apparel, furniture, leather, chemicals, and electrical machinery. The state is also a leading producer of tobacco, livestock and dairy. While there is a plethora of opportunities in the state, small business insurance in Tennessee is also plentiful, offering business owners a variety of insurance policies for optimum protection.

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South Dakota Business Insurance

South Dakota, otherwise known as the “Mount Rushmore State” and “Coyote State” is known for its prairies, grasslands and farmland, which cover nearly 90 percent of the state’s land. Through its agriculture, tourism, and manufacturing industries to name a few, South Dakota is ranked third in business friendliness fifth in quality of life, and seventh in the cost of business, , and according to a recent CNBC’s Top States for Business report. With all these impressive rankings, its no wonder that a small business in South Dakota prospers. Tourism is also prevalent in South Dakota, as the state generates more than $1 billion each year from visitors to that fine state. Attractions such as the Badlands, the World’s Only Corn Palace, the city of Deadwood, Mt. Rushmore, and the Crazy Horse memorial bring many tourists to South Dakota. You don’t have to look far to learn about business insurance in South Dakota. Just peruse the below information for a description of the most important small business insurance coverages.

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South Carolina Business Insurance

South Carolina provides a variety of small business opportunities throughout its fine state. South Carolina, nicknamed the “Palmetto State” due to its official state tree, the Sabal Palmetto, is home to three Fortune 500 companies including Domtar and Scana. One of South Carolina’s leading industries is product manufacturing as the state has many large textile and other mills throughout its state, which produce abundant asbestos, pulp, steel, wood, chemicals, machinery, and apparel prduct. Tourism is also a big industry in the state, where visitors enjoy the sandy beaches, many of which are unspoiled. The resorts, attractions, scenery, and large number of golf courses in Hilton Head, Myrtle beach, and other low country areas of the state enable many a small business in South Carolina to be extremely successful. So here’s the lowdown of both standard and supplementary business insurance in South Carolina.

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Rhode Island Business Insurance

Rhode Island, the smallest state in the United States, has two Fortune 500 companies headquartered in the quaint state; CVS Caremark and Textron. The state of Rhode Island’s official name is “State of Rhode Island and Providence Plantations” and is the longest state name in the US; it is also one of the most densely populated states due to its size. Nicknamed the “Ocean State,” Rhode Island is known for its beaches and magnificent homes located in Newport overlooking Narragansett Bay, many of which are open to tourists. Aside from fishing, farming and tourism, jewelry manufacturing is also a big industry in the state of Rhode Island. Additional industries which hold importance in the state are metal, plastic and electronic product manufacturing. Small businesses in Rhode Island understand the importance of proper business insurance, of which the options in the state are plentiful. Learn the facts below, and the perfect business insurance in Rhode Island will be yours.

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Pennsylvania Business Insurance

The Commonwealth of Pennsylvania, which is the birthplace of independence and the Constitution, and nicknamed the “Keystone State”, brings in nearly five million tourists each year due to its historical sites and attractions, lush landscapes, relaxed lifestyle, and charming residents. It is no surprise that tourism is one of Pennsylvania’s most popular industries, alongside agriculture where there are approximately 63,200 farms throughout the state. Major Pennsylvania cities include Philadelphia, Pittsburgh, and Harrisburg. Twenty-three Fortune 500 companies reside in Pennsylvania including Hershey, Sunoco, and Cigna. The 2011 CNBC Top States for Business features Pennsylvania as the seventh state for technology and innovation, eighth for education, and seventh for access to capital, all of which contribute to the myriad of ways in which a small business in Pennsylvania can thrive. Of course, business insurance in Pennsylvania is recommended to protect these companies and their success.

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Oregon Business Insurance

The Pacific Northwestern state of Oregon provides its residents, visitors, and small business owners with deep forests, valleys, plateaus, coastlines, and volcanic peaks; all of which add to the state’s rich culture and tourism industry. Agriculture is a major industry in Oregon, as is manufacturing; the latter of which is dominated by wood and lumber products. Many notable attractions can be found in Oregon including Crater Lake which is the deepest lake in the country at 1,932 feet deep and Mount Hood, just to name a few. Labeled for its compact cluster of high tech companies located in the Portland metro area, the Silicone Forest is a smaller scale version of California’s Silicon Valley. Enterprises that conduct business in Oregon understand the importance of insurance in Oregon, with particular emphasis on the following standard and supplemental business insurance in Oregon.

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Oklahoma Business Insurance

Known informally as the “Sooner State”, Oklahoma is home to 55 Indian tribes each of which has their own language or dialect, and adds to over 50 languages being spoken in the state. There are 4 Fortune 500 companies in Oklahoma, including Oneok and Chesapeake Energy. Oklahoma is ranked third, fourth, and sixth in cost of living, economy, and cost of business, according to CNBC’s 2011 Top States for Business, making conducting business in Oklahoma something to be desired. Some of the popular industries in Oklahoma are related to manufacturing including oil refining, food processing, meat packing, and machine manufacturing, along with construction, agriculture and tourism. The following is an overview of the various business insurance in Oklahoma plans available to small business owners:

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Ohio Business Insurance

The state of Ohio has a rich history and is the birthplace of seven US presidents, and the first professional baseball team. The “Buckeye State” is home to 27 Fortune 500 companies including Cardinal Health, Kroger, Macy’s and Goodyear, as well as being ranked fourth in Infrastructure and Transportation fifth in Cost of Business, according to the 2011 CNBC Top States for Business. The biggest industries in Ohio are manufacturing — ranking third in manufacturing employment in the country — agriculture, and tourism. Farms in Ohio grow a variety of vegetables, fruits and grains including corn, oats, soybeans, wheat, hay, apples, peaches, strawberries and grapes along with dairy farming, sheep and hog-raising. Popular attractions in Ohio include the Rock and Roll Hall of Fame in Cleveland, Indian Burial Grounds, Pro Football Hall of Fame and Perry’s Victory International Peace Memorial. Small business owners in Ohio have a variety of business insurance options available, such as the following:

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North Carolina Business Insurance

Nicknamed “The Tarheel State”, North Carolina is a beautiful and scenic state with rolling hills, mountainsides, waterfalls, and hundreds of lakes and rivers. Due to the lush and scenic landscapes, North Carolina attracts many tourists throughout the year. Such attractions as the Great Smoky Mountains, Cape Hatteras, Cape Lookout National Seashores, Blue Ridge National Parkway, and the Wright Brothers National Memorial at Kitty Hawk draw in the crowds. This translates to approximately $1 billion being spent by visitors annually, which only adds to the potential success of running a small business in North Carolina. Aside from tourism, biotechnology, pharmaceuticals, and life sciences also thrive in North Carolina. Raleigh, North Carolina is one of the fastest growing cities in the nation. In 2010, Forbes Magazine ranked North Carolina the third best state for business. 15 Fortune 500 companies are located in North Carolina including Lowe’s, Bank of America, Nucor, and Duke Energy. Business owners have a variety of business insurance in North Carolina policies to choose from, as described below:

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New York Business Insurance

The state of New York is not only home to bustling New York City, but lush landscapes, waterfront hotels and homes, and scenic drives. Nicknamed “The Empire State” due to its wealth and variety of resources, New York is known for having a high level of rapid commercial growth, and is headquarters to Fortune 500 companies including JP Morgan and Chase, Citigroup, Verizon Communications, and Pfizer. The heart of New York, New York City, is a leader in manufacturing, banking, commerce, finance, foreign trade, theatrical production, book and magazine publishing. Tourism is also a major industry in New York with such attractions as the Statue of Liberty, Niagara Falls, Baseball Hall of Fame, Central Park, museums in New York City, and National Historical Sites throughout the state. According to the 2011 CNBC Top States for Business list, New York ranks first for education, second for technology and innovation, and third for access to capital, which makes it a prime location to own and operate a small business. A multitude of types of small businesses in New York thrive and should be protected with business insurance.

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New Mexico Business Insurance

Many small businesses in New Mexico are centered on the state’s rich culture and heritage, which includes color, art, music, dance, and landscapes. New Mexico has an affluent heritage of Indian, Anglo, and Hispanic cultures; more so than many other states in the country. One of the largest industries in New Mexico is tourism due mainly to its culture and art; so a tourist business in New Mexico can do quite well. Additional industries that thrive in “The Land of Enchantment” include manufacturing of food products, transportation equipment, lumber, chemicals, and stone, clay, and glass products. Agriculture in New Mexico counts for about two-thirds of the state’s income, which includes livestock, dairy and cattle. Small business owners in the state should acquire insurance to protect their assets; the following explains the different types of business insurance available in New Mexico:

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Maryland Business Insurance

Maryland, nicknamed the “Old Line State” and the “Free State” provides small businesses with a magnificent coastline and some of the most prized rivers and estuaries in the nation. As the state with oneof the longest waterfronts in the country, Maryland businesses related to fishing, agriculture, minerals, and tourism thrive. Maryland business owners and fisherman have access to some of the best oysters,crabs and clams on the east coast, and Chesapeake Bay and Harpers Ferry bring a wide variety of tourists. Households in Maryland are among the wealthiest in the country, according to the U.S. Census Bureau. The success of businesses in the affluent state of Maryland attest to the vital importance of business insurance, not just what is required by law, but additional supplemental policies.

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Maine Business Insurance

As the northeastern state famous for its agricultural and fishing industries, businesses in Maine can benefit greatly from a variety of types of business insurance that are more complex than the norm. Small businesses in Maine, the “Pine Tree State”, thrive on tourists as it is one of the most popular vacation spots on the east coast, thanks to its many scenic spots including beaches, lakes and mountains such as the Androscoggin River and Lake Moosehead. And no introduction about Maine is complete without a mention of the American lobster, which is known globally as the Maine Lobster. Whether your Maine-based business is the state’s capital of Augusta or one of their larger cities like Lewiston, Bangor, or Brunswick, you have a wide variety of opportunity in this lush state for many types of businesses. In order to keep reeling in the customers, take note of the following standard and optional business insurance coverages in Maine.

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Louisiana Business Insurance

Located in the southern region of the United States, Louisiana is known for its jazz music, creole food, crawfish — and of course Bourbon Street. Its annual Mardi Gras festivities draw tourist far and wide. But the Bayou State is also home to many aspiring entrepreneurs and small business owners who dream of success. A thriving tourist area, film industry, and foodie state, having a business in Louisiana is as exciting as getting beads at a Mardi Gras parade. Yet, all fun aside, employees in this southern state know that business insurance in Louisiana is a prudent and necessary investment.

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Kentucky Business Insurance

The Commonwealth of Kentucky may be best known for the Kentucky Derby held the first Saturday in May, its abundant bluegrass seen in practically every pasture, and its Colonel Sander’s own Kentucky Fried Chicken. But even though its agricultural industry continues to be strong, the state is making headways in automobile manufacturing, the medical profession, and many others industries. But regardless of industry, small businesses are vital to the economy of Kentucky. So along with registering your business in Kentucky, creating a business plan, and getting the necessary permits and licenses, make sure you’re covered with business insurance in Kentucky.

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Kansas Business Insurance

Located practically dead center in the country, the great state of Kansas is headquarters to a number of major companies, including Sprint Nextel Corporation, Garmen and Payless. The economy in Kansas is also heavily weighted in the aerospace industry, thanks to the Kansas City and Wichita manufacturing facilities of several large airplane corporations, such as Boeing and Spirit, who conduct business in Kansas. However, Kansas is also chock-full of small businesses too. Since the Great Plains state is also home to many small businesses, we’ve rounded up the most important information about business insurance in Kansas. Take a look.

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Iowa Business Insurance

In CNBC’s list of the “Top States for Business in 2010″, Iowa was ranked as the sixth best state, which touts the merits of conducting business in Iowa. Known as “The Hawkeye State”, Iowa has a diverse economy, culture, and landscape. Despite its rural reputation, a large percentage of the Iowa’s population lives and works in urban areas like the Des Moines and Cedar Rapids metropolitan areas. Today, the economy of Iowa is depending less and less on farming and agriculture, and now contains a mix of biotechnology, finance, and manufacturing companies, to name a few. If you are an owner of a business in Iowa, then consider the following when shopping for business insurance in Iowa.

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Indiana Business Insurance

Surrounded by the Great Lakes region, Indiana is favored with a number of metropolitan areas among its midst including Indianapolis, Fort Wayne, South Bend, and Gary. This means your growing business will have a steady supply of talent to tap into as your business in Indiana expands. Although a large component of Indiana’s economy comes from manufacturing, businesses in Indiana include pharmaceuticals, medical devices, automobile dealers, electrical companies, and a host of diverse small businesses. Hoosiers who operate a company in this Midwest state know that they need business insurance in Indiana. Here’s an overview of the most common types of business insurance in Indiana you should be aware of.

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Illinois Business Insurance

Situated in the heart of the Midwest, business owners in Illinois don’t have to worry about hurricanes or earthquakes as much as business owners in some other states. But “the windy city” does have its share of windstorms and snow storms. Illinois is ranked fifth in population in the United States, and Chicago ranked third, so operating a business in Illinois in a thriving metropolitan area, like Chicago is a business owner’s dream. And business owners who love sports sure can have their fill in Chicago. With two national baseball teams (Cubs and White Sox), an NFL football team (Bears), an NBA basketball team (Bulls), an NHL hockey team (Blackhawks), Illinois sports enthusiasts can get their sports fix year round. But no matter what field of business in Illinois you’re in, you need to protect it with business insurance in Illinois.

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Idaho Business Insurance

Idaho is nicknamed “The Gem State”, and a gem it is. Not only has practically every type of gemstone been found in Idaho, but its scenic beauty and abundant natural resources make it a great place not only to live, but start a business in Idaho. While best known for the “Idaho potato”, the state is rich in other industries, like lumber, chemical products, electronics, mining, food processing, and so much more. Idaho has also kept up with modern advances too, with both the science and technology sectors making up a good portion of the state’s total revenue. Whether you are operating a coffee shop in the Rocky Mountains or a consulting business in the Boise metropolitan area, you’ll need business insurance in Idaho for protection.

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Hawaii Business Insurance

Nicknamed the “Aloha State”, Hawaii is a state that is comprised of 132 islands, rather than the eight main islands most people think of. Hawaii is possibly most known for its lush landscapes, valleys, near-perfect climate, as well as the volcanoes present on the main islands. Not surprising, Hawaii is ranked number one in terms of quality of life by the 2011 CNBC Top States for Business. Of course, one of the states larges industries is tourism, but agriculture is another top industry. The state’s main products are cane sugar, pineapple, bananas, macadamia nuts, and coffee beans. The most popular attractions in Hawaii and its associated islands are the Hawaii Volcanoes National Park, Haleakala National Park in Maui, and Pearl Harbor, just to mention a few. If you have a dream of starting a business in Hawaii, join the club. But also make sure you consider business insurance in Hawaii to ensure you can operate your business in this breathtaking location for many years to come.

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Georgia Business Insurance

Known for its southern hospitality, juicy peaches, and boiled peanuts, Georgia ranks ninth in population in the United States. With its capital city Atlanta being an economic and cultural hub throughout the southeastern portion of the country, doing business in Georgia has the advantages of working in a metropolitan city coupled with southern charm. Georgia’s population continues to grow, particularly in the Atlanta metropolitan region. So, if you’re looking to grow your business in Georgia along with its population, be sure to be covered with business insurance in Georgia.

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Florida Business Insurance

Small business owners are sure to find a lot to love about doing business in Florida. After all, it’s warm, sunny, and its lack of personal state income tax makes it an ideal location to launch or grow a business. Yet, doing business in Florida isn’t without its risks. The central portion of Florida is believed to be the lightening capital of the country, as it has more lightening strikes than anywhere else in the nation. Florida is also hit with its share of hurricanes, tornadoes, and flooding. All of these reasons highlight the importance of weathering the storm with adequate business insurance in Florida.

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Delaware Business Insurance

It may be the second smallest state in the country in terms of square miles, but don’t let Delaware’s small size fool you. “The Small Wonder” state currently boasts the second highest state ranking in terms of civilian engineers and scientists (according to percentage of workforce) and patents issued to individuals or businesses (per 1000 workers). It was also the first state to ratify the constitution. Delaware currently ranks as the sixth most densely populous state, which makes it a great place to start and grow a business in Delaware. Whether seasoned or startup, small business owners in Delaware are encouraged to learn about business insurance in Delaware.

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Connecticut Business Insurance

Beauty, charm, excellent schools, and modern expressways are just a few of the perks of operating a business in Connecticut. High quality of life and close proximity to New York City are others. Touting at least three nicknames, “The Constitution State”, “The Nutmeg State”, and “The Land of Steady Habits”, this southernmost-state gateway to New England has a long-standing history of tradition. And one of these traditions is Connecticut’s expertise in the insurance industry, which remains one of the state’s major industries. Whether a small business startup or seasoned business, here’s what you need to know about small business liability insurance in Connecticut:

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Colorado Business Insurance

Does any state epitomize Mother Nature the way that Colorado does? With its majestic Rocky Mountains and ski-filled resorts of Aspen contrasted with its seemingly endless fields of white plains, no other state seems to offer quite the same adventure for the outdoor enthusiast. Yet, urban life isn’t too far away, thanks to the Mile High City, Denver. While the state is known for its elevation, Denver Broncos, and Coors Brewing Company, it’s also a leader in the manufacturing of medical instruments and an important player in the agricultural industry. All of this and more makes operating a small business in Colorado compelling and rewarding. So, if you’re operating a business in Colorado — or planning to — pay attention to this business insurance in Colorado overview.

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California Business Insurance

With its Golden Gate Bridge, golden-laden sunsets, and fields of golden poppies, it’s no wonder California is considered “The Golden State”. Currently ranked as first in population size, it’s the ideal location to begin or grow a business in California. But besides its breathtaking beauty, diverse culture, and high-density of celebrities, California isn’t without its risks for small businesses. In addition to legal liabilities, businesses need to take proper precautions against the state’s natural hazards, including wildfires, earthquakes, and mudslides. That’s why most every Californian knows the critical nature of being protected with business insurance in California.

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Arkansas Business Insurance

Arkansas is most famous for its abundant wildlife, clear streams, rivers and lakes, national forests, and state and national parks. This is largely the reason of its nickname “The Natural State”. Yet, there is a legislation to bring back the state’s long time nickname: the “Land of Opportunity”. Why? Because, it’s a state that is a great place for both businesses and families to grow and prosper. And many small businesses have done just that. So, if you’re looking to start or grow a business in Arkansas, be sure you learn about business insurance in Arkansas.

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Arizona Business Insurance

One of the most populated landlocked states in America, Arizona makes for a perfect setting for a business. With its dramatic Grand Canyon, and long- winding Colorado River, Arizona is a sight for tourists and residents to behold. It’s low humidity and warm climate makes doing business in Arizona a dream for young and old alike. Other perks of business in Arizona include its great cities, like Phoenix, Tuscon, and Mesa, abundant golf courses, and its growing population. All of these reasons make Arizona a great spot for both startup and existing small businesses looking to expand. But discerning Arizonan business owners are well aware that business insurance in Arizona is a must: Here’s a bird’s eye view of the various types of business insurance in Arizona:

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Alaska Business Insurance

The state of Alaska is probably best known for its rugged landscape, magnificent scenery, and harsh winter weather. Ranked third in terms of economy by CNBC’s 2011 Top States for Business, Alaska is one of the leading producers of oil since the oil and gas reservoir near Prudhoe Bay on the Arctic Coast was found in 1968. To this day, oil production continues to be one of Alaska’s leading industries. Alaska holds the nickname of “Land of the Midnight Sun” and “The Last Frontier” due to their distance from the lower 48 states as well as its landscape and climate. Aside from oil production, Alaska is also known for fishing, tourism, and the production of wood products and furs. The native population of Alaskans consists of Indians, Eskimos and Aleuts; with about half of the Alaska natives being Eskimos. A small business in Alaska received several perks, including favorable taxes. Why not capitalize on these perks, and get the best business insurance in Alaska?

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Alabama Business Insurance

Do you have an existing small business in Alabama or are considering starting one? Business in Alabama spans multiple industries, including health care, banking, aerospace, automobile manufacturing, and of course agriculture. A warm climate, close proximity to the Gulf of Mexico, and great rivers and fishing lakes are just a few of the perks Alabamians get when operating a business in Alabama. Strong workforce ethics and competitive wages are others. Boasting four nicknames, “Cotton State”, “Yellowhammer State”, “The Lizard State”, and “Heart of Dixie”, this southeastern state holds the title of having the second largest system of inland waterways in the United States. All of this and more makes Alabama a prime location for new and expanding small business. But savvy Alabama business owners know that business insurance in Alabama is essential too. Here’s the lowdown:

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New Jersey Business Insurance

Having a business in New Jersey can come with a lot of success in a state whose largest industry is chemicals, along with being one of the foremost research centers in the world. Additional manufacturing industries include pharmaceuticals, instruments, apparel, machinery, and electrical goods; New Jersey is also home to many large oil refineries. “The Garden State” is home to 20 Fortune 500 companies, including Johnson & Johnson, Merck, Medco Health Solutions, Prudential Financial, and Honeywell International. The second largest industry in New Jersey is tourism due to the state’s many resort areas and the casino area of Atlantic City. But no matter type of small business you operate in the state, business insurance in New Jersey is essential. The following explains the various types of business insurance policies:

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New Hampshire Business Insurance

Nicknamed The Granite State, New Hampshire is known for its lush landscapes including vivid blue lakes, mountains, forest areas, and coastlines. The state is ranked several times on the CNBC 2011 Top States for Business, including being second for Quality of Life, tenth for Economy, seventh for Education, and sixth for Business Friendliness. Small businesses in the tourism industry thrive in New Hampshire as it commonly referred to as a natural magnet for vacationers, thanks in part to its attractive landscapes and vacation attractions. Aside from tourism and activities like fishing, boating, camping and hiking, manufacturing is also a leading industry in New Hampshire. Some of the most important industrial products in the state are electrical, machinery, textiles, and paper products. Regardless of industry, business in New Hampshire owners understand the importance of acquiring business insurance.

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Nevada Business Insurance

Nevada, nicknamed “The Silver State” and “The Mining State”, is best known for its various casino and resort towns including Las Vegas, Reno, and Lake Tahoe. These gambling and resort areas attract tourists from other states and countries making Nevada one of the most popular tourist states in the nation. Aside from casinos and tourism businesses, additional industries do very well in the state including construction, finance, and agriculture. The leading agricultural industry in Nevada is in cattle and calves along with hay, alfalfa seed, barley, wheat, and potatoes. Additional recreational activities and attractions that bring in tourists in Nevada are Pyramid Lake, Lake Tahoe, Lake Mohave, the Lake Mead National Recreation Area, Hoover Dam, Great Basin National Park, and Virginia City. A small business in Nevada can be quite successful to the high traffic of people, especially during the state’s busy tourist seasons. But even though the state is known for its casinos and gambling, don’t gamble by going without business insurance in Nevada.

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Nebraska Business Insurance

Nebraska, nicknamed the “Cornhusker State”, ranked second best run states in America, according to a 24/7 Wall St report. The state is also ranked fifth in business friendliness on the CNBC 2011 America’s Top States for Business. Nebraska is also home to several Fortune 500 companies which include the Union Pacific Railroad and ConAgra Foods. Home to the Omaha Steak Company, Nebraska is famous for their steaks and other beef products; so it is no surprise the state is also nicknamed the “Beef State.” Aside from its award-winning steaks, Nebraska is also a leading grain producer and home to several popular attractions including the Agate Fossil Beds, Scotts Bluff National Monuments, and the Chimney Rock National Historical Site. Business in Nebraska includes many that are related to the agriculture, farming, and meat industries as it has over 100,000 acres of ranches throughout the state. So, along with attracting new clients for your business in Nebraska, make sure you’re protected with adequate business insurance in Nebraska.

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Montana Business Insurance

Montana gets its nickname “The Treasure State” from the enormous economic possibilities through businesses relating to electronics, technology, agriculture, biotechnology, and innovative energy development sectors. Known for its hunting, fishing, skiing, and dude ranching opportunities, Montana continues to be popular for tourists as they visit the state’s 26 glaciers, 200 lakes, and well-known parks including Yellowstone National Park and the Glacier National Park on the Continental Divide. Montana is also home to the largest fresh water spring in the nation, Giant Springs, and one of the most scenic drives in the country in Glacier Park, called “Going to the Sun Road.” Growing a business in Montana is more than just operating a company in a gorgeous setting; Montana ranks seventh or better in a variety of areas related to innovation and entrepreneurship including fourth in STEM job growth, seventh in R&D intensity, second in entrepreneurship activity, and fifth in small business lending activity, according to a 2011 U.S. Chamber of Commerce report. Here’s a summary of the most common types of business insurance in Montana you should be aware of.

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Missouri Business Insurance

Central to the Heartland of America, the “Show Me State” is home to a variety of tourist attractions and historical sites including the Gateway Arch in St. Louis which is the tallest monument in the United States, the Ozark National Scenic Riverways, the Pony Express, Jesse James Museums, and 81 state parks and historical sites. Missouri mines approximately 90 percent of the nation’s lead supply and is a leading location for additional mining, agriculture, tourism, and electronic businesses. Named third for cost of doing business, eight for cost of living, and ninth for infrastructure and transportation by the CNBC 2011 Ranking of America’s Top States for Business, a small business in Missouri has an ideal backdrop to become highly successful. But in order to protect that success, small business owners need to have the best in business insurance in Missouri options.

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Mississippi Business Insurance

Made famous for its fried catfish and hush puppies, Mississippi is a Southern US state with a wealth of small business possibilities. The state of Mississippi is ranked tenth for cost of living, according to the 2011 CNBC Ranking of America’s Best States for Businesses, which helps to make it an ideal place for a variety of small businesses. Mississippi is home to the very first state college for women in the nation, the Mississippi University for Women located in Columbus. Having more tree farms than any other state, agriculture is a leading industry in the state, primarily for growing soybeans, corn, peanuts, pecans, and rice. The “Magnolia State” is a popular tourist spot for visitors of the Midwestern United States who want to enjoy small town life and some of the best seafood in the country. If you’re looking to start or expand an established business in Mississippi, be sure to learn about business insurance in Mississippi.

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Minnesota Business Insurance

Ranked seventh in the 2011 CNBC Ranking of America’s Best States for Businesses, eighth for quality of life, and tenth for education, Minnesota is a state that is accustomed to successful small businesses. Therefore a variety of business insurance options are available in Minnesota. With a state of three nicknames, “Land of 10,000 Lakes”, “The Gopher State”, and “The North Star State”, Minnesota also has more Fortune 500 companies than any other state in the country. It’s also a leading grower and processing location for corn, wheat, and alfalfa. The trade center for all of the Midwest is located in Minnesota’s very own Minneapolis and St. Paul, Minnesota holds the place as the biggest city that publishes calendars and law books. Among its many other business ventures, tourism, fishing, hunting, and water sports are at the top of the list in businesses in Minnesota.

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Michigan Business Insurance

Michigan, nicknamed the “Wolverine State” and the “Great Lakes State”, is ranked at number 8 for Technology and Innovation and number 10 for Infrastructure and Transportation according to the 2011 CNBC Ranking of America’s Best States for Businesses. Along with its major cities of Grand Rapids, Detroit, and Flint, Michigan borders four out of the five great lakes. There are 15 four-year public colleges and universities in the state of Michigan along with several other private institutions to add to the economic development and entrepreneurial resources of the state. Tourism, manufacturing, and processing businesses thrive in Michigan as it is the number one state in the nation for manufacturing dealerships, and is also a leading manufacturer of cereal, tools, and hardware. Michigan has the largest state forest system in the country, 40 ski resorts and 150 lighthouses making tourism businesses successful in the state. In 2011, Michigan became home to the first satellite office of the U.S. Patent and Trademark office due to the high volume of patents generated by Michigan businesses. If you are launching a small business in Michigan or expanding one, take note of the following standard business insurance in Michigan coverages.

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Areas We Serve

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Massachusetts Business Insurance

As the third most densely populated state, Massachusetts provides numerous possibilities for many types of small businesses including agriculture, textiles, tourism, and art-related industries. The Commonwealth of Massachusetts is one of the 13 colonies, the sixth state and home to four of the previous U.S. Presidents including John Adams; this historical significance provides optimum business opportunities for individuals who want to get into tourism, including the restaurant or hotel business. The “Bay State” is also home to the notable rivers Merrimack and Charles River, as well as the reputable Cape Cod beaches and Provincetown, which is home to many artisans. Massachusetts was ranked second, third, and fourth for access to capital, technology and innovation, and education, respectively in CNBC’s 2011 rankings of America’s best states for businesses. Along with the many benefits of owning a small business in the state, Massachusetts business owners have a variety of business insurance policies to choose from for advantageous protection.

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Real Estate Agent Insurance

Real Estate Professionals Insurance

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Auto Service Insurance

Auto Services

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Real Estate Agent Insurance

Real Estate

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Errors & Omissions Insurance

General Liability Insurance

If you own a business, you have probably been told a thousand and one times that you need general liability insurance. In fact, some employers, contractors, or clients may require you to carry this type of coverage before you can work for them. The world of business insurance may seem confusing, but it need not be. Read on to better understand what this protection is, why you, as a business owner, need it, and the costs involved.

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Business Owners Policy (BOP)

Business Owners Policy (BOP)

Insurance provides protection in case the worst happens. There are many different types available to assist with almost every possible issue. For business owners, a business owners policy, also known as BOP, provides comprehensive coverage to protect their business. Whether you have a new business or are reviewing your coverage for an existing one, it is beneficial to understand the different options so you make an educated decision on the best one for you. There are some key features to understand about a BOP policy to determine if it fits your needs.

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Workers compensation quote

Workers Comp Insurance

As a business owner with employees, an important insurance to have is workers’ compensation insurance. In many states, this type of insurance is legally required for conducting business. Even in states without the requirements, it is often a good idea to have. Before you start discussing your options with your insurance agent, it is beneficial to know the main details about this type of insurance to help you make an educated decision.

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Commercial Auto Insurance

Commercial Auto Insurance

If you own or manage a business, it’s important to have an understanding of commercial auto insurance. Many people wonder what is commercial auto insurance used for? Unlike your personal auto insurance, a commercial insurance plan is designed to address your business assets. An auto insurance plan focuses on your company’s cars, trucks or other types of vehicles. It may also cover vehicles you and your staff rent, lease or borrow. Having a complete insurance policy can help you keep your business assets protected in case of disaster or a mishap. It may also be a requirement in your state to carry an auto insurance policy for any vehicles your business owns or uses. Here are some things to know about auto insurance for your business.

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Commercial Umbrella Insurance

Commercial Umbrella Insurance

Just as you use an umbrella to provide you with extra coverage during a rainstorm, a commercial umbrella policy can help your business keep its assets. In today’s society, the act of suing is becoming increasingly common for individuals who feel they’ve been wronged by a small business or large corporation. While in many cases, there are reasonable reasons to file a lawsuit, in other situations, it may not be the most rational decision. Despite this fact, your business could be at risk of being named in a lawsuit, no matter how careful you and your employees work to be safe and in compliance. Your business should already have a comprehensive business liability insurance plan, such as a business owner policy. Problems arise when your coverage is exceeded for an expensive claim or lengthy lawsuit. In this situation, it may be best to prepare yourself by purchasing commercial umbrella insurance.

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Errors & Omissions Insurance

Professional Liability Insurance

Most businesses have a portfolio of different types of insurances designed to protect it financially from the risks the business faces. General liability insurance typically covers bodily injury claims or property damage at the place of business, but it doesn’t protect against other types of loss that occur when you’re working someone’s home or when you make a mistake in accounting. Many professionals add professional liability insurance to their portfolio to have added protection for certain types of lawsuits and claims.

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Cyber Liability Insurance

Cyber Liability Insurance

It seems as if every month the news announces a data breach. Most hackers target large companies, such as Target, Home Depot or Experian, but no business is immune from a security data breach. It’s estimated that 40 percent of cyber attacks are targeted at small businesses. Hackers want to access your personal, business or customer financial and personal data to get credit card account information, social security numbers and back account information. Your business trade secrets and intellectual property may also be at risk.

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Accounting & Finance

Accounting & Finance

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Medical Office Insurance

Health & Wellness

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Architect Insurance

Architecture and Engineering

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Organization Development Consulting Insurance

Business Management and Consulting

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Janitorial Supply Insurance

Cleaning and Janitorial Services

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Bolt Insurance

Contractors

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Food & Restaurant Insurance

Food Services & Restaurant

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Engraving Business Insurance

Home-Based Businesses

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Information Technology

Information Technology

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HVAC Contractor Insurance

Installation

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Salons and Personal Care Services

Salons and Personal Care Services

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warehouse

Manufacturing

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Professional & Miscellaneous Services

Professional & Miscellaneous Services

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Pet Groomers Insurance

Pet Care

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Photographers/Videographers Insurance

Photography & Videography

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Screen Printers Insurance

Printing & Copying

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Party Store Insurance

Retail

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Wholesalers Insurance

Wholesale & Distributors Insurance

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Homeowners Insurance

Homeowners Insurance

Homes can be a relaxation spot, where families are raised, and where memories are made. What’s more, it’s a major investment. It is an absolute necessity to have homeowners insurance to protect your investment, in fact, most mortgage companies require it as a condition to get a home loan. Not all insurance policies are created equal. What are the best coverages to have? That depends. There are many ways that homeowners insurance protects you and your loved ones from loss, here’s how.

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Condo Insurance

Condo Insurance

When shopping for the best condo insurance, you want to make sure that you are getting the right amount and types of coverage for your unique situation and needs. Owning a condominium is very different from owning a single family home or renting an apartment, so even if you have purchased home insurance coverage in the past, you will have to start at square one to ensure that you are getting an accurate condo insurance quote.

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Renters Insurance

Renters Insurance

Moving into your first home or apartment is a big step in life; breaking away from the cycle of college roommates and parental basements is important and comes with lots of promising opportunities. Making the most of a rental living arrangement is possible with the help of the right insurance coverage. Many renters are unaware of the risks facing them each day. Without the right protection, a renter could be left with no way to recoup their losses following burst pipes, break-ins, and other problems. Bolt Insurance provides comprehensive renters insurance policies to our valued clients.

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Get Mobile Home Insurance Online

Mobile homes and other manufactured dwellings provide an affordable, high-quality housing alternative to people across the country. Also called trailers, mobile homes are built on a chassis with tires and wheels ready for use on highways; this allows the homes to be transported from the site of their construction to their permanent location. Foundations for these homes can be built in a variety of places, making them one of the most versatile housing solutions currently available. Because mobile homes are unique structures, it makes sense that they are best served by insurance products tailored especially to their features. Mobile home insurance shoppers will find that Bolt Insurance has coverage solutions that are perfectly suited to the specific features that characterize these particular houses. Working with an agency that understands the concerns of mobile home owners is a great way to ensure that you will be connected with the most accurate and appropriate mobile home insurance quotes. This is just one of the reasons why more mobile home owners choose to shop with Bolt Insurance.

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Flood Insurance

It seems you often hear about flooding in different parts of the country. When you hear about flood damage, your mind may first go to flood insurance. You may think that hopefully the poor people affected had it.

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Pet Insurance

As a pet owner, you likely do everything you can to ensure your pet is healthy and happy. This means taking it to the vet for annual checkups, getting immunizations as required and handling any emergency health situations that may come up. However, paying all of those medical bills can get quite expensive.

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Auto Insurance

Compare Car Insurance Quotes

Driving without insurance isn’t just illegal in most places, it’s a bad risk for you to take in regard to your financial future. Never mind the fact that you may get pulled over and receive a hefty fine, but if you are in a car accident, you face years of catching up financially when you could avoid the entire problem by choosing the best car insurance for your needs.

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Motorcycle Insurance

Motorcycle Insurance

Peace of Mind With Affordable Motorcycle Coverage

If you own a motorcycle, you know there is nothing quite like riding down the open road with the wind blowing around you. The only thing that makes it better is the knowledge that you have the appropriate motorcycle insurance to protect you financially if you were ever in an accident. We help you enjoy your hobbies without the worry of financial ruin for your family if something were to happen to you.

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ATV Insurance

ATV Insurance

ATVs, or all-terrain vehicles, are a joy to drive when you love thrills. Whether you prefer to get them through exploring, hunting, trailing or ranching, you can conquer mountains, deserts, forests and much more by riding an ATV. Of course, your ATV is a valuable investment, so that means getting insurance coverage for it. In fact, depending on the state you live in, you might be required to carry ATV insurance if you ride your vehicle on state-owned land. If you’re sticking to your own property, it is possible your homeowners’ insurance policy could cover the ATV. Check with your agent to ensure you understand and meet any state requirements.

There Are Many Types of ATV Insurance Coverage to Choose From

Even if your homeowners’ policy covers your ATV to an extent, it is often wise to get specialized ATV coverage. For one thing, it is unlikely that you will ride the ATV only on your own property. For another thing, ATVs can be at particular risk for getting stolen and for getting into an accident with another vehicle, even another ATV, that is underinsured or uninsured. Other ATV coverage options help in cases of damage and injury, among others. As for pricing, your ATV insurance cost depends on factors such as the ATV model, its age, how you secure the ATV and your riding history. (Check out the answer to the first FAQ here for more information. It’s about car insurance, but the general idea applies.)

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Boat Insurance

Looking at Various Boat Insurance Coverage Options

With a boat, your life expands. You can travel to places near and far, swim with exotic marine life and live life at a slower pace—or rack up the thrills by careening over open waters. Of course, as with anything in life, owning a boat comes with some risks. You can minimize them to a certain extent, but the possibility of events such as theft, storms or sinking still remains. Similarly, there is the possibility that a passenger could get injured on your boat or that your vessel would damage another.

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Jet Ski Insurance

Ride the Waves Confidently With Jet Ski Insurance

If you own a jet ski then you know exactly what it is and how much fun it can be to ride one across the water. Maybe you’re thinking about getting one and are doing your research first. A jet ski is a recreational vehicle used to travel on the water. Available in various sizes, riders sit and drive, usually at higher speeds. More experienced drivers can do tricks and jumps.

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RV insurance

RV Insurance

Insurance That Goes as Far as Your Recreational Vehicle

There are many different reasons recreation vehicle owners love their RV’s. Some people live in them full time as they travel around the country enjoying the sights as they go. It can be wonderful to have the freedom to travel south during the cooler months to stay warm and then head back north during the warmer months to keep cool. Others use their RV as a mobile office enabling them to travel and work simultaneously. Not being tied down to a specific location can be a huge advantage for a small business owner. Regardless of its use, every RV owner should have special RV insurance that protects their investment.

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Classic Car Insurance

Classic Car Insurance

Get the Specialty Coverage You Need With Classic Car Insurance

Whether you just bought a perfectly restored muscle car or you spent years rebuilding your beloved antique classic, it’s more than just a car. Maintaining and cruising in your classic car is a source of pride, joy, and passion. But as you know, this hobby can sometimes take a toll on your wallet. That’s why classic car insurance exists.

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Umbrella Car Insurance

Umbrella Car Insurance

Protect Your Assets With Umbrella Car Insurance

Umbrella car insurance gives you extra liability coverage. This type of insurance provides enhanced protections more than a standard auto liability insurance policy. The main purpose of a personal umbrella insurance policy is to safeguard your car in the event of a major claim and any resulting lawsuits. If you already have liability insurance for your car, you might wonder if an umbrella insurance policy is necessary. If you want to preserve your car in the event of a big-ticket lawsuit, you should certainly consider umbrella auto insurance.

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Errors & Omissions Insurance

Errors & Omissions Insurance

If you work in a profession with clients, no matter how diligent you are, there is a possibility that you could make a mistake. A doctor could operate on the wrong side of the body. An architect has a design that is off by inches, causing a building to have to be retrofitted. You might have policies and procedures in place to protect yourself and your organization from these errors, but what happens if you are sued? Do you have the financial resources to fight the claim in court and pay for any judgment or settlement?

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Earthquake Insurance

Earthquakes can happen in any state, though some regions, such as the west coast, are more generally active than others. However, in 2015, Oklahoma had the most earthquakes in the nation, though it is known more for being part of Tornado Alley.

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Private client

Private Client

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