Commercial Insurance and How to Get Quotes

Choosing the appropriate insurance for a business can be daunting. For any business, it is important to ensure that your business is adequately protected from all risks. A company should make sure it is neither under insured or over insured but has the necessary cover in place. Commercial insurance protects businesses against any potential loses via unpredictable situations such as property damage, theft, and liability. It also covers business in case there is an interruption of business or injured staff.

The kind of insurance you need depends on your business. Typically, the degree of risk of a business will influence the insurance requirements of the firm. Some enterprises have bigger risks than others. For example, an author has minimal risk when compared to a tradesperson.

There are various covers in commercial insurance. The common ones include employer’s liability, public liability and professional indemnity. Employer’s liability protects you against the cost of compensating claims arising from an employee’s injury or illness acquired while they worked for you. Public liability covers your enterprise when a client or a member of the public gets injured or incurs some loss due to the operations of your business. Professional indemnity insurance is an essential cover for any business that provides advice or a professional service to its clients.

Here are three ways to get insurance estimates

Your local broker

The initial step is to get quotes from various providers insurance agents. If you opt for a broker, then you can request them to get you several quotes from different insurers. Brokers normally have sufficient knowledge to advise a business on commercial insurance and the proper insurance for business. Agents represent many small to medium sized business and for this reason can get lower rates for you. When going through brokers, it is essential that you contact at least three or more dealers.

Indulge in online research

The easiest and most common way to search for an insurance quote is to search online and look at the various insurance websites and advertisements. All insurance providers have an online presence and a platform that allows you to submit the details of your business and request free quotes. After sending a request, the insurance companies typically respond within a day sending you a commercial insurance quote. Because you can quickly answer a few questions and receive a quote back from an insurer, you can get several quotes in the afternoon. In your search, you will realize the numerous small companies available to you. However, this is your policy, and you should feel free to request quotes even from the largest operators.


If you have a start-up business, then referrals are an excellent way to go. You can ask this at a group of friends or a meeting, and you will get several quotes mentioned. Surprisingly you may receive several calls from insurance agents that got your phone number from your buddies. Friends too can give reviews about the various commercial insurance companies allowing you to make an informed choice.

The key to competitive commercial quotes is as simple as asking. Find time to contact commercial insurance brokers, do an online search and find out from your network of friends in your area. You will get a lot of information and estimates. Have sufficient time to go through all the estimates and compare them with each other, and your business will save a lot of cash.…

How to Get Cheaper Car Insurance


If you drive, shelling out for car insurance is an inevitability (not to mention a legal requirement) and while it can represent a significant expense there are some steps you can take to make insuring your car more affordable.

Insurance companies work with risk statistics that calculate how likely you are to make a claim given your personal circumstances, the more ‘risky’ you’re deemed the higher your insurance premium, however thankfully this also works in reverse, so by making yourself appear less of a financial risk, the cheaper your car insurance is likely to be. Here’s how…..

The car you drive…

Car insurance providers classify cars into insurance groups based on factors such as engine size, top speed, repair costs, likelihood of theft and so on, so similar cars can be banded together and provided with the correct level of insurance to cover likely claims. Insurance groups range between 1 (very low risk) and 20 (very high risk), with cars in lower groups attracting significantly reduced premiums.

An obvious starting point for lowering your car insurance is to go for a car classified in a low insurance band – your car dealer or vendor should be able to tell you this before you buy but it’s always worth investigating your options as there can be a significant difference in grouping between different models in the same range.

Modified cars tend to attract higher premiums as they are seen as more attractive to thiefs and more likely to be involved in accidents so avoid this if you want to bring the cost of your policy down; this is especially the case for young drivers. However, insurer approved alarm and immobiliser systems are likely to attract a discount for your insurer as it makes your car statistically safer.

How you drive…

Your personal driving history and the motoring history of any other individual included on your policy will affect the premium price. Any claims, driving offences or convictions are likely to significantly increase the cost of your policy. Factors such as the way you use your car and the number of miles you drive are also likely to affect your car insurance premium. Lower mileage discounts are often available but are only worthwhile if you estimate your annual mileage honestly and the cost of your insurance is likely to be less if you only use your car a couple of days a week rather than for commuting to work.

Where you drive…

Where you live and park your car also impact your insurance premium and while moving house just to reduce your car insurance is a little extreme there are certain things you can do to lessen the impact of your postcode. If you have a garage you should always use it as it is seen as more ‘secure storage and is likely to attract a discount. Additionally, parking on a private driveway or secured car park is seen as more favourable than simply leaving your car parked on the side of the road. Again, it pays to be honest about where you leave your car most of the time.

Who drives…

Statistically the older you are the less likely you’ll need to make a claim, along the same lines girls are much less likely to claim than boys. While little can be done about your age, you can avoid insuring younger drivers on your policy if they won’t regularly be using the car.

Many parents are tempted to insure their newly qualified children as a named driver on their car and while this can be cheaper in the short term, it doesn’t usually pay off in the long term as they could go for years without starting to build on their own insurance policy. Generally, it is better for young people to take out their own car insurance as soon as they are regularly driving their own car.

Third party, fire and theft can be cheaper to start off with, although quoting with a company that offers an accelerated no claims discount scheme (whereby a years no claims discount is earned in 9 months or so instead)can make a huge difference over time as it’s possible to earn maximum no claims discount in over a year less than it would usually take.

Car Insurance Guide


Building and protecting a no claims discount is the best way to make your car insurance cheaper year on year as this can save up to fifty percent of your premium price. You always hear the subsequent cost of car insurance rocketing when someone makes a claim, however while the cost of your insuring your car is likely to increase after an event of this nature, the main reason for the huge increase is because the individual in question is no longer eligible for …

Definitions of Major and Minor Violations

Serious Speed: 

Speeding in excess of 15 mph 

Minor Violations:

  •   Any speed 15 mph or under the posted limit
  •   Failure to yield right of way at an intersection or to a pedestrian
  •   Improper turn
  •   Disregarding traffic control signs or devices
  •   Passing a school bus improperly
  •   Disobeying emergency vehicle regulations
  •   Disobeying police/fire dept. instructions
  •   Failure to stop at railroad crossings
  •   Parking on highway
  •   Failure to use due care
  •   Failure to keep in proper lane
  •   Failure to dim lights
  •   Following too closely
  •   Improper backing
  •   Improper passing
  •   Negligent driving
  •   careless or improper driving
  •   crossing private property to avoid a traffic light
  •   Driving too fast for conditions
  •   Driving on the wrong side of the road

Major Violations:

  •   Hit and Run
  •   Driving while under the influence of drugs or intoxicants
  •   Open container, passenger or operator
  •   Failure to submit to a chemical test
  •   Racing or reckless driving
  •   Driving during suspension/revocation
  •   Felony involvement with an automobile
  •   Fleeing or attempting to allude a police officer arising out of the operation of a motor vehicle
  •   Making a false accident report
  •   Failure to stop and render aid involving injuries
  •   Leaving the scene of an accident before the police arrive/hit and run
  •  Racing on a public trafficway
  •   Reckless driving
  •   Willfully failing or refusing to comply with any lawful order or directions of any police officer or   member of the fire department
  •  Obstructing an officer in violation of Statute 316.545(1). (Will display on MVR as Resisting officer with violence or Resisting officer without violence.

Non-Chargeable Violations:

  •   No/Improper child restraint or device
  •   Defective vehicle equipment
  •   Disobeyed car pool lane sign
  •   Loud soundmaking
  •   Expired tags
  •   Closed license suspension due to points

Auto FAQ’s – Scott Claus Insurance Agency

The company is not paying me fairly on my total loss. How do you establish a vehicles value?

Sources such as book value and dealer quotes can be considered. If the value is disputed by either you or the insurer based on those sources, the only accurate determination can be made with similar vehicles available in the market.  The condition of the vehicle, mileage and options are all used in determining your vehicle’s value.

An auto insurance company is not offering to pay 100 percent of my damages on a liability claim. Can you help?


           The States have the authority to determine if the insurer conducted a complete investigation prior              to making their determination of fault. The various departments of Insurance, do not have the                    authority to decide issues of fault in an accident. If you do not agree with the insurer’s assessment              of fault, you have to ask the courts to rule on the matter or pursue your claim under your own                      policy of insurance.

           The other insurance company won’t pay for a rental car on my liability claim. Don’t they have to?

          Not in all situations. If you have no other vehicle available, the insurer should cover the cost of a                 rental as part of your damages from the accident at least until they determine the loss on your car.             No insurance statutes exist on this issue.

Can the insurance company tell me where to have the repair work done under either homeowners or auto?

Yes, if the insurance company is willing to guarantee the work. You always have the option to       go           to the repair shop of your choice, but you will be responsible for the additional costs. Your insurance         company may only be obligated to pay for the   lowest estimate.

I’ve had an accident with an uninsured motorist. What do I do?

Contact your local Department of Motor Vehicles in your State. They enforce the financial                             responsibility (mandatory liability) laws in your State. They will investigate and, if necessary,                       enforce the statute. Also, if you were injured, you will want to report the loss under your                               uninsured motorist coverage with your company.

What does uninsured motorist coverage cover?

Uninsured motorist coverage applies to bodily injury only. Your uninsured motorist coverage will              protect you from hit-and-run drivers. It covers you for injuries sustained while in your car or as a              pedestrian when hit by an uninsured driver. It does not cover damage to your vehicle.

Do you have to buy uninsured motorist coverage on an auto policy

Many States do require this, although a few States will allow you to sign a waiver to remove it. You              will need to check with your agent to see what your State requires.

Can a finance company take out insurance on my car and charge me for it?

Yes, if under the terms of your loan, you agree to provide comprehensive and collision insurance, and       you fail to do so. The lending institution can obtain a policy to protect its interest. These policies                 typically do not offer liability insurance coverage to meet the state’s financial responsibility                         (mandatory liability) laws.


Busted Myths About Car Insurance Policies

To keep up with the changing times, our technology today is constantly being used for research. In the years before, availing and asking about insurance services was done inside company offices or with agents that are equipped with the knowledge and familiarity of the subject. Today however, you enter a few keywords in the search engine of your computer and you are presented with lists of related materials. Because of social media and other sharing platforms, myths and ideas about obtaining an insurance also resurfaced. And so now you’re caught up with decisions before even applying for your insurance coverage. To lessen the frustration, we’ve listed myths you should forget about car insurance policies.

Myth no. 1 – The color of the vehicle affects the insurance rate.

False. The main factors that will affect your rate will be items that are virtual or are easily understood by both the client and the company. These are factors such as the model of the vehicle, year it was released, current modifications, specifications of the car, and its current selling  rate or market price. The color of the vehicle however does not affect the insurer’s posted rate; this is because it will be hard to justify why a certain color is much more expensive than the other. They say the color of your car is a representation of your personality, so go ahead and be bold with your choice of purchase.

Myth no. 2 – There is little to no difference in buying a premium insurance policy.

From the word or label itself ‘premium’, you are already made aware that this is not the same as your minimum or average insurance policy. Every state has a different mandate on the minimum requirement for car insurances, and being the thrift person you are, you settle for the minimum spend. However, you fail to realize that an insurance policy is not purchased just because it is required, but because it will serve as a safety net  both for you and your passengers. There are many things that can happen even if you try to avoid them; save yourself from future expenses and stress and purchase an insurance that will really set your mind at ease.

Myth no. 3 – Paying in installment is the same as paying in full.

Ask yourself: When did you purchase an item that costed less in installment basis? Never. If you have funds that are ready when purchasing your insurance policy, then a full payment can yield higher savings. The longer your timeframe in paying, the more fees are added on top of the quoted rate. This is because you are using the company’s manpower and service in a longer span of time than paying once. If money is not an issue, go for a full on payment scheme.


Myth no. 4 – Insurance companies couldn’t care less if I do not pay them.


There are times wherein you have a bad experience with an insuring company and you decide to just transfer and apply for a new policy from a different agency, without even notifying the latter than you’ve acquired a new coverage. You therefore stop depositing payments thinking that since they won’t be concerned when you file for repairs, there’s no need to pay them. Well think again. If you are unhappy with your current insuring company, then talk to them and properly pay all dues they present you. Opting out without proper paper work still ties you under contract and so monthly dues will still be charged. Save yourself from further legal matters and headaches by putting everything in ink and writing.

Relax, car insurance policies have reasonable rates determined by rational factors. Forget the above myths, consult with your agent and drive safely.…

How to Look for the Best Car Insurance Broker in Barrie

Looking for the best car insurance broker is like looking for the best attorney to represent you in times of a serious case hearing or a bad injury. Insurance brokers are the best people that you can talk to when it comes to planning your safety, because they will know what kind of insurance policies to recommend to you and which will best suit your needs.

Looking for insurance that can be occasionally hard especially if you are looking for a specific qualification, but without mentioning qualifications, they can be all over the place; you just need to look properly.

Here are ways on how to look for the best car insurance broker in Barrie:

Know your qualifications – first out of everything before scouring the Internet for prospects, you need to know the traits that you want in an insurance broker. Looking for the best insurance broker means that you need to dedicate yourself to checking out their background, personality and personal achievements. Like any other insurance company, they will usually provide a client with one already, but if you are looking for an independent broker, you must first look for these types of traits: personality, dedication, focus, attentiveness, honesty, and professionalism. Having these qualifications set in your head, will give you the right insurance broker.


Research online – assuming that you already have those traits in your head, you can search the Internet for a reputable and well-known insurance brokers Barrie. Also make sure that you check their achievements, business ethics, happy clients, and their personal preference when it comes to working with a client. This way, you can set your expectations if in any case that you do end up picking a certain broker.



Ask for recommendations – people you can trust can be the best people to talk to when it comes to looking for independent brokers. Your family members will know what you deserve and will most definitely know what you need. Asking them for recommendations will be of benefit to you in the long run, because not only will you end up with a good insurance broker, but you will also get the best deals that they can find.



Try asking a bank – banks have preferred people to work with when it comes to car insurance. They will usually have a personal broker working with them when someone purchases a new car. This is why some car plans have 1-year car insurance free. If you want to renew an insurance policy with your bank, the broker that they have assigned will be in charge of renewing your policy, so that you do not waste too much time in looking for a separate insurance company to invest with.


 Check the newspaper – the newspaper can be a good place to look for a good insurance broker. The newspaper has strict policies when it comes to advertisements. The newspaper normally won’t allow you to post anything if you are not a credible person. You can be secured that whomever you find on the newspaper will be professional and smart to talk to.