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.