Progressive Commercial Insurance Customer – Inn the Doghouse
Business insurance is one of those things that you have to buy when you run a business. Depending on the type of business you run the cost of insurance could be quite large.
Because insurance is a necessity you will want to find the best possible cover at the best possible price. Here are a few tips to help you find the cover that is most suited to you:
Compare quotes- A great way to look at prices from various insurance providers is to look online and compare quotes. You can look at quotes from different insurance providers side by side to choose the one that’s best for your business. Not only does this approach save money but it also saves time.
Tailor your insurance- Make sure that the insurance you buy is tailored to your businesses needs. It is very easy to take out a Business Insurance policy that includes cover for many things that you won’t actually need. By doing this you can cut the costs of your insurance by making sure that you are only covered for what you actually need.
Length of time you have been trading for- Some insurers may be able to reduce the price you pay for your insurance by looking at how long you have been trading for. The longer you have been trading the less risk you might be seen to be by insurers and they may be able to give you a cheaper price.
Are you in a seasonal industry?- If your businesses has seasonal peaks and troughs an insurer may be able to offer you a reduced price when you are in an “off season”. Not all insurers will do this but it is often worth asking.
Have a look at your businesses risks – Sometimes carrying out a straightforward risk assessment of your company and the way it carries out business can show an insurer that you are aware of the risks your business faces and are being proactive about them. This could lead to the cost of your insurance being lower.
Look around at what’s on offer- If you have time do some of your own research and see what is on offer. If you are intent on saving money then this could be a good way to really find the best deal.
Watch the video related to how much does business insurance cost
Whitney Callahan, entrepreneur and small business owner of Inn the DogHouse, speaks about her dog daycare business and how Progressive provides commercial auto Insurance that fits her unique business model and provides commercial auto insurance. Hi, my name’s Whitney Callahan. I own Inn the Doghouse, daycare, grooming and overnights for dogs and cats—and this is my best friend Dublin . Dog day care is a place where dogs can socialize and play and exercise. They chase balls, they get cookies …
Help answer the question about how much does business insurance cost
How much, generally speaking, should small business insurance cost?It is a new start retail business who manufactures and sells products via 3rd party locations, pluss sells via web. Looking for Accounts Receivable coverage, off-premises utility services coverage,e-commerce insurance, and general liability. Smaller company at start with 100K to 200 K rev expected. less than 10 owner/employees.
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Decision Finance allows you to compare quotes online from leading Business Insurance providers and find the quote that meets your businesses needs. If you are self employed you can find a quote for Self Employed Public Liability Insurance and can view quotes side by side.
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Posted by American Car Insurance on May 19th, 2010 filed in business insurance | 18 Comments »
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+car insurance commercial with man in doghouse -18 Responses to “Progressive Commercial Insurance Customer – Inn the Doghouse”
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May 19th, 2010 at 4:55 am
Thanks – DO remember to rate each video you like as it leaves a trail for others to follow to useful future insights. And do make loads more comments – others also find it helpful and interesting. I read every comment and reply where I can. Patrick
May 19th, 2010 at 5:17 am
I really liked your channel and this video. If you need any help getting this video exposed I use a site called tubeviews.(net) It has really helped like 20 of my main videos get to the top in position. Its nice.
that is very awesome i love this
May 19th, 2010 at 5:28 am
Are you retarded? I’d rather have his job than his children. I’d love to get paid to talk and give my opinion. This guy loves to hear himself talk.
May 19th, 2010 at 5:28 am
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May 19th, 2010 at 5:24 am
There's no "geospacial business" package, so each line will have to be underwritten seperately. Frankly, it sounds to me like you want to build a space station or something, so what you NEED is going to depend on 1. contracts and 2. exactly what you're doing.
And you can't get monthly payments on insurance, for a new venture – you'll have to either pay in full for the year, or finance the premium through a premium finance company.
In other words, your question is too vague to answer.
May 19th, 2010 at 5:36 am
Restorations, does that mean you're a contractor?
It entirely depends on exactly waht the business does – if you're doing roofing, and you have 8 employees, this could easily run you $30,000 a year, without benefits.
You didn't give anywhere NEAR enough information for even a guess.
There's no such thing as "basic", and "small" is extremely subjective.
Some small businesses pay over $100,000 a year for their insurances.
May 19th, 2010 at 12:04 pm
GL – probably about $750 / year.
E&O – probably about $1,500 / year
May 20th, 2010 at 12:09 am
So,,, You ARE retarded! I’m sorry! I really didn’t mean to make fun of your condition you little shit-for-brains.
May 20th, 2010 at 2:19 am
are you retarded? if you want to get paid for pontificating, then why aren’t you?
as for me, it’s called a sense of humor. look into it, and while you’re at it, try to remember that we still live in a civilized society, that is, if your puny, self indulgent brain can take that all in at once.
if not, then bite me.
May 20th, 2010 at 12:41 am
It depends on several factors, including the type of business, age of the group members, general health and claims experience of the members (and any family members also included in the plan), location, type of plan, and deductible.
For the sake of comparison, if everyone is in fairly good health and not working in a physically dangerous job, in Virginia a plan with a $500 deductible (and $25 copayments for doctor office visits from day one) would run approximately $3000/month. If anyone in the group is seriously overweight, or has any significant health issues, it could easily go to $4500 (or more, depending on how many people have issues.)
Honestly, you'd really need to speak with an agent who can help you determine what's called the CMF (a rating factor they use based on the health and claims experience of the members of the group) and figure out which plans might be a good match.
If you're looking in Virginia or West Virginia, I can help you. You can contact me directly via email, if you like.
May 20th, 2010 at 2:11 am
To be honest, there isn't a single person who could answer your question in yahoo answers unless they were at work (an insurance company) and ran a quote for you. There are many many variables that are fed into a risk probility formula to determine your annual premium.
Things to consider: Prior accidents or claims for all 3 of you, what city in CA, how many miles per/yr would the vehicle be driven, how far from the registered business address would it go, is your business sitting on a fault-line, ect. Break out a phone book and start calling around. There are more than enough companies that will offer a free quote over the phone to get your business. When I got my own first auto policy, I literally called about 20 companies to compare. The differences in quotes between minimum and maximum were over 40% variation. It's best to shop around. Good luck in your venture.
May 20th, 2010 at 10:31 am
Can you explain a bit more about the retail payroll liquidity crunch?
May 20th, 2010 at 10:15 am
you should really find out from your city clerk about all the details. But I know that if the IRS visit their business location right now it's not going to be pretty.. BEFORE they even start the business they had to get insurance. Usually you just pay a $2500 bond or less depending on your credit but you should definitely check. Good luck!
May 20th, 2010 at 1:47 pm
That ENTIRELIY depends on the product. If it's completely harmless, like widgets, it should start at around $2500. If you manufacture airplane parts, it could be $100,000.
Sorry, too vague! You'll have to get a "real" quote from an agent, and probably fill out some product liability applications.
May 21st, 2010 at 8:18 am
The company I work for has been in the news twice this week as they deal in the forex market.
May 22nd, 2010 at 6:14 am
depends on the type of business and the amount of coverage you are looking for. Best advice is to contact an insurance agent in your area and have them work up a quote for you.
May 22nd, 2010 at 1:26 pm
prepare for when the retail payroll liquidity crunch comes due to consumers buying less and our rising inflation
May 22nd, 2010 at 12:59 pm
It would completely depend on the type of company you ran. For example, a private medical practice will count insurance as it's most costly expenditure due to the potential liability of malpractice.
A bar would have much higher insurance costs than a carpet cleaning service because of the potential liability of the effects of alcohol on the patrons. However, a carpet cleaning business will have to pay for worker's compensation, whereas those costs would be dramatically lower in a business run out of an office.
It's also going to depend on the state that you live in, as all states have different requirements. Your company size and overall revenue will contribute as well. Also, are we including health insurance provided to employees? That's a big one if you are.
All in all, I would expect insurance costs for a small business to be no less than 5% of total expenditures, but that number is barely a ballpark estimate considering how many factors are in play.