Best Small Business Insurance Info: How to Find and Choose the Best Insurance Solution for You

Are you a small business owner? No matter what kind of company you run, you’ll need general liability insurance and maybe some additional coverage depending on the industry you’re involved in. How do you know how and where to apply for the best small business insurance policy?

Read reviews on various insurance companies by other businesses in your industry to learn which ones offer quality solutions. Consider whether or not you want an insurance representative or broker to help you find the right coverages. If you decide to work with a specialist, ask what kind of information he or she will need in order to determine your specific needs. Have all of the documents and information prepared. Small business owners typically need to provide details such as physical location, number of employees (if any), total payroll size, business assets, gross annual sales (if there are any to report), and so forth.

Even if you decide to apply for insurance on your own without the help of a broker, you’ll still need to have this information ready.

Best Small Business Insurance as an Investment

Think of commercial insurance as an investment. It will cost money, but it will protect your business from unexpected expenses such as lawsuits and worker’s compensation. The best small business insurance will also protect you from industry-specific problems. For instance, if you are involved in web design, you don’t want to risk financial losses associated with technological glitches, miscommunication, etc. If you are a small beauty salon owner or barber, you don’t want to risk equipment malfunctioning, allergic reactions to certain chemicals, or someone tripping and falling on your property.

No business, no matter how small, is 100% immune to possible lawsuits. People will sue over literally everything these days, and only the best small business insurance will protect your assets. If you want to stay in business for a long time, and hope for the ability to expand it someday, then you should be prepared to handle any kind of accident. It will be very difficult to survive if you suddenly owe a lot of money in compensation, or find yourself dealing with damage caused to your place of business due to extreme weather. The only real solution is to have good insurance from a reliable company that has a lot of positive reviews.

So, where can you get the best small business insurance online? Check with Hiscox Inc. to see what they have to offer for business owners in your industry. You can either get a quote through the website or call and speak to a licensed agent.

Commercial Insurance Companies Info: What Kind of Coverage Does Your Business Need?

Business owners must have some type of insurance. Most states require any company with employees to buy workers compensation and unemployment insurance. Requirements can also vary by industry. For instance, a real estate agent with a car will likely need to pay for commercial car insurance. If you are running a business, you must make sure it is properly protected against common risks and unforeseen events. Before you do so, it’s a good idea to compare quotes from commercial insurance companies.

The location of your business and the industry in which you are involved play a role in the types of quotes you’ll get. Some industries are obviously considered more “dangerous” than others. For instance, a company that primarily involves everyone staying in an office will not need as much coverage as a company involved in construction.

Commercial general liability (CGL) might not cover 100% of all of the possible risks an organization may encounter during its lifespan, but it does typically provide coverage for the more common types of risks. Some business owners choose to buy additional insurance, such as protection against defamation suits and employment practice liabilities (wrongful termination or discrimination).

What about theft? Commercial insurance companies usually just offer theft protection for third party losses for which a business may bear some type of responsibility. If you want coverage for your own business property, you might be required to pay extra to have it included in your policy.

Payment Options Used by Common Commercial Insurance Companies

What kind of payment options do you have? How you will be charged and how you’ll be expected to pay is going to vary depending on the insurance company. Before deciding on a quote, check and see if you will be able to pay with your preferred method, whether it’s with a MasterCard, Visa, etc., and if you can the full amount annually or just once a month. If you don’t want to pay in full, keep in mind that some commercial insurance companies might charge additional fees overtime. Not all of them do, however, so take the time to carefully read over the payment requirements and fine print.

Another thing to do is to find out how the claim process works. Should you ever need to report a claim, the process should be available to you 24/7. The only thing you should be required to do is contact the insurance company to make the report, and representatives should instantly start on your defense. If necessary, your insurance provider will appoint an attorney on your behalf.

Of all the commercial insurance companies, is there any that is truly reliable and offers all of these services at an affordable price? Hiscox Business Insurance reviews are almost always guaranteed to be positive. It’s definitely worth considering. Request a quote from the website or call 1-866-283-7545 to speak with a licensed small business insurance agent.

Dell Latitude 3490 Info: What Business Owners Need to Know About This Durable, Well-Built Laptop

A strong battery life is what you get with a business laptop like the Dell Latitude 3490. It’s designed to last for an entire workday – especially if you choose the configuration that includes a six-cell battery. It’s not the lightest notebook of its size on the market, weighing in at 4.4 lbs, but it comes with plenty of great hardware. It’s still mobile enough that you can take it with you anywhere you need to go.

This is an easily manageable 14-inch machine with top security features that are critical for small and medium sized businesses. Collaboration is made easy with the extended 175-degree hinge and connectivity features such as HDMI, VGA, USB Type-C, Type-A, and more.

An Intel Core i5 quad-core processor (825OU) is pretty impressive for a laptop. You also get 4GB of memory and a 500GB SATA 7200-RPM hard drive to start. Choose between a four-cell 56Whr battery and the aforementioned six-cell battery. Even if you stick with the four-cell unit, you can still expect to get several hours of run time. For graphics, you get integrated Intel UHD 620.

Depending on how you configure it, the 14-inch display comes with either a 1366 x 768 or 1920 x 1080p screen resolution, which is what you can expect with a laptop in this price range. The colors on the Dell Latitude 3490’s display are pretty accurate and bright. There are great speakers as well and Dell’s audio program is easy to customize.

Dell Latitude 3490 Webcam and Security Features

There is a web camera built into the display. It’s capable of taking sharp, accurate photos. The keyboard and touchpad are also designed to work nicely and efficiently. The 4.1 x 2.5 inch touchpad is easy to use and very intuitive.

The great thing about Latitude laptops is that they come with impressive security features, such as TPM 2.0 TCG certified technology and FIPS 140 2 certification. This machine uses hardware-based cryptography to ensure the most secure communications. With Dell Data Protection, all of your business data is kept protected. The tools enable encryption across an organization and help businesses to mitigate risk and streamline deployment for a unique IT environment.

The chassis and hardware are all well-designed. In Dell Latitude 3490 reviews, users praise the durability of the black chassis. It has undergone extensive testing to ensure that it can last in any environment. You can even drop it and bump it against something and not have to worry about it tearing up. Overall, this is a great business laptop that is worth the investment.

There are a number of Dell coupons, discounts, and special offers available. It’s easy to get a good deal when you invest in this brand. Be sure to use a Dell Latitude 3490 promotional code when you’re ready to customize your laptop and go through the checkout process.