Instant Liability Insurance
Instant Liability Insurance
Proffesional Liability Insurance?
I am in need of some liability insurance for my freelance software development work. I am in Tennessee and I am seeking $500,000.00 worth of coverage. Can someone tell me where I can get an instant quote online? Or if there are agents that read this, can you contact me with a quote? I need to get this moving quickly.
Thanks for the reply. You will have to forgive my ignorance in this matter. I did not know I needed general liability first. I honestly don’t know the difference between general and professional.
The amount I need was set by my client. If it were up to me, I wouldn’t carry any. When you say I can get a policy with both attached and they usually start at $2500, is that per year? Or a one time deal?
You do need to have Commercial General Liability (CGL) in place first or at least simultaneously purchase both. Even if you have not had insurance before it is possible for a standard company to write both policies for you. I would check with Travelers Property Casualty since they have an excellent policy tailored for technology companies and they will also write the professional liability (also called e & o–errors & omissions coverage) as long as you have documented experience. You will need to provide your projected annual gross receipts, an estimate of your contents or equipment, your projected annual payroll and a copy of the standard contract you use.
The website for you to find a Travelers agent in your area is http://www.travelers.com/
You may also want to get quotes through other companies. Usually Travelers agents have more than one company available to you since they are independent agents (i.e. they are allowed to represent multiple companies) but you can also get recommendations for other independent agents through other business owners and get other agents to quote.
Good Luck
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Importance of Business Liability Insurance
Being a business owner is one of the responsible works to manage its working properly and to serve people in their desired manner. The basic motto of any business is not only earning profit but it equally deals with satisfying the needs and requirements of people to the fullest. However due to changing tastes of consumers and changing surviving scenarios, businesses need to protect themselves from unjustified users’ demands and claims. Insurance for small businesses is one such option that may protect the identity of a business owner and helps in smooth functioning of any business activity.
Low cost business insurance is great in demand these days. In this type of insurance protection, by paying a reasonable sum of premium every year, a company can earn itself protecting rights in some unforeseen situations that may cripple it heavy financial loss. So, whether you are running a partnership firm or a sole proprietorship firm, taking business insurance can give you instant relief. It will further provide you enough morale and confidence to carry out the deals profitably and successfully.
There are many cases where business combined insurance have been proved a real bless. Companies have saved their lots of money usually being wasted in settling the claims and losses caused to its clients.
As a small company, you can check the websites of various insurance firms and institutions where information related to adequate insurance protection can be taken. For a better deal, you can compare prices by searching through different websites and its offerings. You can also visit the offices of these providers and consult an insurance expert to educate you about the most profitable deal.
Business liability insurance can become the need of the hour and companies have realized its importance and utility in the normal dealing of the business.
