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

What is Commercial General Liability Insurance?

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Business Owners Policy (BOP)

Business Owners Policy (BOP)

What is a Business Owner Policy?

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Workers compensation quote

Workers’ Compensation Insurance

What is Workers’ Compensation?

This type of insurance covers employees against job-related injuries and illnesses, as well as certain medical expenses, lost income, and rehabilitation expenses. It also pays a death benefit to heirs of an employee who dies from a job-related injury or illness. This insurance is usually required by every state although the requirements vary by state.

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Commercial Auto Insurance

Commercial Auto Insurance

What is Commercial Auto Insurance?

This type of insurance covers certain legal liability resulting from bodily injury or property damage caused by the vehicles used in your business. Coverage can extend to vehicles that are leased, rented, or borrowed. You can also insure your commercial vehicles against physical damage from hail, fire, and other risks.

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Commercial Umbrella Insurance

Commercial Umbrella Insurance

What is Commercial Umbrella Insurance?

This type of insurance supplements your existing General Liability and Business Property and Commercial Auto policies to cover certain catastrophic liability claims. This means that if losses exceed the limits of your general liability coverage under your General Liability and Business Property or Commercial Auto policies, an Umbrella policy may cover the remainder, up to a specified limit. Although the coverage provided under Umbrella policies vary, these policies generally cover a variety of business liability risks.

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Errors & Omissions Insurance

Professional Liability Insurance

A typical small business general liability insurance policy won’t cover property damage, bodily injury, advertising injury or personal injury claims. But small business professionals can be protected against these risks of doing business by purchasing a professional liability insurance policy. Coverage is typically applied as long as the professional engages in rendering services, taking into account any statute of limitations.

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Cyber Liability Insurance

Cyber Liability Insurance

In recent years, numerous businesses have been targeted by hackers in data security breaches. While it’s mostly large companies we hear about in the news being targets of a security data breach, small businesses are not immune to such risks. According to security software maker Symantec, 40 percent of all cyber attacks are targeted at small businesses.

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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

Homeowners insurance, also called hazard insurance or home insurance, is designed to protect the homeowner against certain named perils. Most homeowner insurance policies come with a deductible and exclusions.

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Condo Insurance

Condo Insurance

Condominium owners have distinctive insurance needs when compared to those of homeowners or renters. Although condo associations have their own insurance policies, these condo insurance policies typically only provide coverage for the building, the property’s common areas, and the association’s liability. Consequently, condo owners should consider a separate insurance policy that protects the inside of their condominium and their personal belongings from losses.

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Renters Insurance

Renters Insurance

Many renters overlook the need for renters insurance. They figure their landlord has insurance on the building, so that’s all they need. But what they may not realize is that the landlord’s policy doesn’t cover their personal belongings. For instance, what happens if there is a plumbing problem inside your apartment, which causes water damage to your computer, television, iPad, and furniture? Without renters insurance, you won’t have coverage for the damage or replacement of these personal things. Further, your landlord’s insurance policy won’t protect you if a guest visiting you is injured in your apartment and sues you for liability.

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Mobile Home Insurance

Mobile Home Insurance

A mobile home, which is also often referred to as a trailer or manufactured home, is a factory-built home that is built on a chassis with highway-grade tires and wheels, and then transported to its permanent location. If you live in a mobile home, you may be wondering about home insurance options. Mobile home insurance is unique in that it is a separate policy outside of other insurance policies. Mobile home insurance is imperative to owners and residents of these types of homes due to the various unforeseen events that can occur, such as damage from extreme weather conditions, fire, natural disasters, or other risks.

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Flood Insurance

Flood Insurance

What is Flood Protection Insurance?

This type of insurance provides coverage against damage done by the rising or overflowing of bodies of water. Flood insurance is available to homeowners, renters, condo owners/renters, and commercial owners/renters. Costs will vary depending on how much insurance is purchased, what coverages are provided and the location of the risk.

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Pet Insurance

Pet Insurance

Protect Yourself from Unexpected Pet Costs

Do you count your pets as family members? Are you protected if your beloved dog or cat suffer an accident or illness that requires surgery or extended treatment? Unforeseen accident or illness expenses can quickly climb into the thousands leaving you in a financial mess unless you have pet insurance.

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Auto Insurance

Auto Insurance

Not only is driving without car insurance illegal in most states, it can put you at significant financial risk. Having adequate insurance coverage will prevent you from financial wreck should you be involved in an accident or incur vehicle damages.

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Motorcycle Insurance

Motorcycle Insurance

If you own a motorcycle for personal use, motorcycle insurance protects you and your bike. Bodily Injury Liability and Property Damage Liability motorcycle coverage are required by law.

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ATV Insurance

ATV Insurance

All-terrain vehicles, also known as ATVs, provide the rider with a fun, outdoor experience using a vehicle that can negotiate practically any type of terrain such as dirt, sand, mud, and grass. ATV’s, whether they are a three wheeler, four wheeler, quad, quad bike, are made with special low-pressure tires that offer more stability at lower speeds than two-wheel motorcycles do.  This allows for more riding options to the adventure seeker; but owners of ATV’s should also be aware of the importance of receiving proper insurance for their ATV. Insurance is essential for ATV owners for a variety of reasons including protecting against theft, damage, liability coverage, and uninsured motorists.

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Boat Insurance

Boat Insurance

Boat owners have one thing in common; they love the water. If this is true of you as well, then you will find owning a boat to be an exciting, satisfying experience. However, when you decide to purchase a boat, it comes with its own set of risks. Unforeseen circumstances, such as a storm, damage that causes sinking, collision, or theft, can suddenly cost you large amounts of money if you were not properly insured. A variety of risks cause financial burden because of the damage they cause to your boat, including its many components. There’s also a risk of bodily injury to others, and damage to other vessels. Protect your finances by obtaining adequate insurance coverage for your boat, so that you can enjoy your time on the water without worry.

Types of Boat Insurance Coverages

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Jet Ski Insurance

Jet Ski Insurance

A personal jet-ski is a small, recreational vehicle used on the water, where the rider sits and usually travels at high speeds. Due to its unique characteristics, it is not typically included on either a homeowner’s policy or an auto insurance policy; therefore a special personal jet-ski insurance policy becomes essential. Quite a few risks are associated with using a personal jet ski, such as physical damage from an accident or wear and tear on the jet ski, theft, vandalism, and property damage to other jet skis, not to mention bodily injury. These risks should be covered with an insurance policy designed specifically for personal jet skis.

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RV insurance

RV Insurance

Many recreational-vehicle (RV) owners are living the American dream either part time or even full time.  Whether they are travelling the country for pleasure, or running their business from their RV, thanks to modern technology and the Internet, travelling can be a lot easier. No matter if your RV is for personal use or you are a workampreneur working from your RV or converting a land-locked business into a mobile one, you still need RV insurance.

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Classic Car Insurance

Classic Car Insurance

Classic car owners all want to do one thing, enjoy their vehicles whether on the road or in storage.  They want to make sure they arr covered from damage, theft, vandalism and accidents.  Make sure you have the correct coverage for your classic vehcile or some of these incidents may not be covered.

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Umbrella Car Insurance

Umbrella Car Insurance

What is Umbrella Car Insurance?

This type of insurance supplements your existing General Liability and Business Property and Commercial Auto policies to cover certain catastrophic liability claims. This means that if losses exceed the limits of your general liability coverage under your General Liability and Business Property or Commercial Auto policies, an Umbrella policy may cover the remainder, up to a specified limit. Although the coverage provided under Umbrella policies vary, these policies generally cover a variety of business liability risks.

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Errors & Omissions Insurance

Errors & Omissions Insurance

What is Errors & Omissions Insurance ?

This type of insurance provides coverage for mistakes made by professions such as lawyers, architects, engineers, or for mistakes made in a service business, such as insurance, real estate, and others.

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Earthquake Insurance

Earthquake Insurance

The National Earthquake Information Center records information and publishes reports about earthquakes around the world that meet certain standards. Currently the NEIC publishes around 30,000 earthquake reports each year, representing a significant resource for the many million that take place each year.

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Private client

Private Client

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Quotes Provided by

  • The Hartford
  • Liberty Agency
  • Hiscox
  • Travelers
  • Starr Companies
  • Assure Start
  • Safeco Insurance
  • Metlife
  • The Main Street Amercia Group
  • Progressive
  • Chubb
  • Foremost