{"id":728,"date":"2024-02-23T20:32:24","date_gmt":"2024-02-23T20:32:24","guid":{"rendered":"https:\/\/www.acceptanceinsurance.com\/?page_id=728"},"modified":"2024-04-30T20:34:47","modified_gmt":"2024-04-30T20:34:47","slug":"business-insurance","status":"publish","type":"page","link":"https:\/\/www.acceptanceinsurance.com\/our-products\/business-insurance\/","title":{"rendered":"Affordable Business Insurance"},"content":{"rendered":"<div class=\"c-section  \" >\n    <div class=\"o-wrapper o-wrapper--small\">\n        <div class=\"c-section__content\">\n\n<!-- id=\"general_text-block_39a4e8a902b175d2a4829fb8f8c96565\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Low-Cost Insurance for Business Owners<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>Spending time and money bringing your dream of business ownership to life means you know how important it is to protect everything you create. Companies face risks every day from lawsuits, accidents and more. Thankfully, business insurance protects your <span class=\"white-space\">company &#8211; including<\/span> its financial assets and <span class=\"white-space\">property &#8211; from<\/span> the effects of:<\/p>\n<ul>\n<li>Lawsuits<\/li>\n<li>Property damage<\/li>\n<li>Theft and vandalism<\/li>\n<li>Loss of income<\/li>\n<li>Employee injuries and illnesses<\/li>\n<li>Natural disasters<\/li>\n<\/ul>\n<p>At Acceptance, we are pleased to help you succeed and stay safe. Our friendly, knowledgeable agents live in your community and truly care about your business.<\/p>\n    <\/div>\n    \n\n    \n            <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/business-insurance\/business-insurance-faq\/\" class=\"o-component c-icon-callout c-icon-callout--green\" id=\"product-callout-block_07afeef7847e5efcbc2c987ebd14b9f8\">\n                                <img decoding=\"async\" class=\"c-icon-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/02\/icon-faq.svg\" alt=\"\" width=\"48\" height=\"48\" aria-hidden=\"true\">\n                        <div class=\"c-icon-callout__content\">\n                <h2 class=\"c-section__title c-section__title--left c-icon-callout__title\">Business Insurance FAQs<\/h2>\n                <div class=\"s-cms-content s-cms-content--big\">\n                    <p>Get answers to common insurance questions<\/p>\n                <\/div>\n            <\/div>\n            <\/a>\n    \n\n<!-- id=\"general_text-block_7155386764bfb5b490709b15d23ca693\" -->\n            <h2 class=\"c-section__title c-section__title--left\">How Much Does Business Insurance Cost?<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>When it comes to keeping your small business safe, the benefits of having insurance far exceed the costs. Depending on your business type, location, and size, you could pay as little as $14 a month or up to $300 a month for coverage. Our welcoming team is here to help you find the right plan that fits your needs and budget.<\/p>\n<p>Some of the factors that go into deciding your insurance costs include:<\/p>\n<ul>\n<li><strong>Types of Coverage:<\/strong> what types of coverage you select.<\/li>\n<li><strong>Industry:<\/strong> trades with higher risks may cost more.<\/li>\n<li><strong>Size:<\/strong> determined by revenue and number of employees.<\/li>\n<li><strong>Location:<\/strong> usually a small factor, but some areas have higher claims.<\/li>\n<li><strong>Claims history:<\/strong> previous small claims should not affect your premium to a large degree.<\/li>\n<\/ul>\n<p>Overview of business insurance types and their average national costs:<\/p>\n    <\/div>\n    \n\n<div id=\"general-expandable-table-block_01643c854c859d93ed4dcdea73a72e0c\" class=\"o-component c-simple-table js-simple-table js-expandable-content\">\n    <div class=\"c-simple-table__indicator js-simple-table-indicator\">Scroll for more <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/themes\/acceptance\/assets\/images\/icons\/icons.svg#icon-scroll\"><\/use><\/svg><\/span>\n    <\/div>\n    <div class=\"c-simple-table__content\">\n                    <table class=\"c-simple-table__table\">\n                                    <tr>\n                                                    <th>Business Insurance Type<\/th>\n                                                    <th>Average Monthly Cost<\/th>\n                                            <\/tr>\n                                                                                            <tr>\n                                                                        <td>General Liability<\/td>\n                                                    <td>$30<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Commercial Property<\/td>\n                                                    <td>$63<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Cyber Liability<\/td>\n                                                    <td>$124<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Business Interruption<\/td>\n                                                    <td>$40<\/td>\n                                            <\/tr>\n                                                                                <tr>\n                                                                        <td>Workers Comp<\/td>\n                                                    <td>$70<\/td>\n                                            <\/tr>\n                                                <\/table>\n            <\/div>\n    <\/div>\n\n<!-- id=\"general_text-block_a642f9dc2e0af8e194cc620bd30177ae\" -->\n        <div class=\"o-component s-cms-content\">\n        <p>&nbsp;<\/p>\n<p>These are just some of the more popular types of business insurance. There is a large variety of business insurance policies, some very specific to an industry, such as inland marine insurance or glass insurance. An Acceptance agent will help you find affordable options based on your business field and other variables. You&#8217;ve put in a lot of time, money, and hard work to make your business a reality. It\u2019s time to safeguard your investment with the right business insurance.<\/p>\n    <\/div>\n    \n\n<div class=\"c-section\" id=\"general-quote-callout-block_3593125ff2ffefbb57ddd2e9187eb7f3\">\n    <div class=\"o-wrapper o-wrapper--small\">\n                <div class=\"o-component c-quote-callout\" >\n            <picture class=\"c-quote-callout__pic\">\n                                    <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Desktop-11-1.webp 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Desktop-11@2x-1.webp\">\n                                                    <img decoding=\"async\" loading=\"lazy\" class=\"sp-no-webp c-quote-callout__img\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Mobile-11-1.webp\"\n                    alt=\"\" aria-hidden=\"true\"\n                    srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/QuickQuote-Mobile-11@2x-1.webp 2x\"\n                    width=\"320\" height=\"192\">\n                            <\/picture>\n            <div class=\"c-quote-callout__content\">\n                <h2 class=\"c-quote-callout__title\">Ready to Get a Quick Quote? <\/h2>\n                <form class=\"c-quote-callout-form js-form form ajax-quote-form-new\" method=\"GET\"\n                    action=\"https:\/\/www.acceptanceinsurance.com\/process-rater\/\">\n\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--select\">\n                        <label class=\"c-quote-callout-form__label\"\n                            for=\"typeOfInsurance\">Type of Insurance<\/label>\n\n                        <select class=\"c-quote-callout-form__select\" id=\"typeOfInsurance\" name=\"type_insurance\">\n                                                                                                                <option value=\"A\" >\n                                Auto Insurance<\/option>\n                                                                                    <option value=\"BT\" >\n                                Boat Insurance<\/option>\n                                                                                    <option value=\"B\" >\n                                Business Insurance<\/option>\n                                                                                    <option value=\"CI\" >\n                                Commercial Auto Insurance<\/option>\n                                                                                    <option value=\"H\" >\n                                Homeowners Insurance<\/option>\n                                                                                    <option value=\"L\" >\n                                Life Insurance<\/option>\n                                                                                    <option value=\"MAI\" >\n                                Mexican Car Insurance<\/option>\n                                                                                    <option value=\"M\" >\n                                Motorcycle Insurance<\/option>\n                                                                                    <option value=\"MRH\" >\n                                Motorhome and RV Insurance<\/option>\n                                                                                    <option value=\"PET\" >\n                                Pet Insurance<\/option>\n                                                                                    <option value=\"R\" >\n                                Renters Insurance<\/option>\n                                                                                    <option value=\"RA\" >\n                                Roadside Assistance<\/option>\n                                                                                    <option value=\"SR\" >\n                                SR-22 Auto Insurance<\/option>\n                                                                                    <option value=\"TM\" >\n                                Telemedicine<\/option>\n                                                                                    <option value=\"HI\" >\n                                Travel Club &#8211; Hospital Indemnity<\/option>\n                                                    <\/select>\n                    <\/div>\n                    <div class=\"c-quote-callout-form__item c-quote-callout-form__item--zipcode\">\n                        <label class=\"c-quote-callout-form__label\" for=\"zip\">Zip Code<\/label>\n                        <input class=\"c-quote-callout-form__input  js-floting-input js-valid-numbers js-valid-zipcode\"\n                            id=\"zip\" type=\"text\" required inputmode=\"numeric\" autocomplete=\"postal-code\" name=\"zipcode\"\n                            maxlength=\"5\" minlength=\"3\">\n                    <\/div>\n                    <div class=\"c-quote-callout-form__controls\">\n                        <button class=\"c-button c-button--orange c-quote-callout-form__submit\"\n                            type=\"submit\">Start My Quote                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/themes\/acceptance\/assets\/images\/components\/inputs\/loading.svg\"\n                                alt=\"Loading\" width=\"30\" height=\"30\">\n                        <\/button>\n                    <\/div>\n                <\/form>\n            <\/div>\n        <\/div>\n            <\/div>\n<\/div>\n\n\n<!-- id=\"general_text-block_eb5499506d160a8a406e1c365397bcdc\" -->\n            <h2 class=\"c-section__title c-section__title--left\">Types of Commercial Insurance<\/h2>\n        <div class=\"o-component s-cms-content\">\n        <p>The types of protection you need depend on a few details about your business, including size, type of industry, and number of employees.<\/p>\n<h3>Workers Compensation Coverage<\/h3>\n<p>If you have employees, you will likely need workers compensation insurance. In some states, even one employee means you must have workers comp insurance. This <span class=\"white-space\">insurance \u2013 which<\/span> is paid to the <span class=\"white-space\">state &#8211; covers<\/span> medical costs and lost wages resulting from <span class=\"white-space\">job-related<\/span> accidents or illnesses. In turn, the state administers lost wages and medical costs. Each state has different requirements for workers compensation, so speak with an Acceptance agent who can help you understand the legal mandates where you do business.<\/p>\n<h3>Commercial General Liability Insurance<\/h3>\n<p>In addition to workers&#8217; compensation, liability insurance is another type of coverage that you will need. Liability insurance comes in handy in case someone is injured either on your property or from your product. It will help you cover the costs of any claims that arise. If a customer&#8217;s property is damaged due to your company, it will fall under the general liability category.<\/p>\n<p>Your liability insurance also protects you and your company against claims of false or misleading advertising and copyright infringement.<\/p>\n    <\/div>\n    \n\n<div class=\"o-component s-cms-content\">\n            <picture>\n            <source media=\"(min-width: 700px)\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/Rectangle-3463362-2-1.jpg 1x, https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/Rectangle-3463362-2-2.jpg 2x\">\n            <img class=\"sp-no-webp\"  decoding=\"async\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/Rectangle-3463362-2-3.jpg\" alt=\"Two men working as wood painters\" srcset=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/04\/Rectangle-3463362-2-4.jpg 2x\" loading=\"lazy\" width=\"320\" height=\"142\">\n        <\/picture>\n    <\/div>\n\n<!-- id=\"general_text-block_81286180f631649a3a7aedc4ebb117a6\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3>Commercial Property Damage Liability Insurance<\/h3>\n<p>Property damage liability covers property damage, so you\u2019ll have some financial recourse if your building is damaged or lost. It also covers the items within the structure and loss of income if the event puts you out of business. If you rent your space, this will help you recover from fire, flood, or other catastrophes that affect your personal and professional belongings.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_123d8cad4c6ecf0cf20e56f0c32f51f7\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3 style=\"text-align: left\">Business Owners Policy<\/h3>\n<p style=\"text-align: left\">A business owners policy (BOP) is a combination of general liability and commercial property damage. In many cases, you\u2019ll be able to get all the protection you need under one BOP policy, including property damage, injuries, court and legal fees, business income interruptions, advertising mistakes and inventory replacement.<\/p>\n<p style=\"text-align: left\">Liability policies fall under different types, including general, professional, commercial, and directors and officers. Your reliable Acceptance agent is <span class=\"white-space\">well-versed<\/span> in these types and can help you determine what is needed.<\/p>\n    <\/div>\n    \n\n<!-- id=\"general_text-block_0b4e97bc217a205e5c1ac9bca5150145\" -->\n        <div class=\"o-component s-cms-content\">\n        <h3 style=\"text-align: left\">Commercial Auto Insurance<\/h3>\n<p style=\"text-align: left\">Whether you have a small fleet, or your employee uses your personal car to make deliveries, <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/commercial-auto-insurance\/\">commercial auto insurance<\/a> is necessary to cover any expenses arising from an <span class=\"white-space\">at-fault<\/span> <span class=\"white-space\">work-related<\/span> vehicle accident. Commercial car insurance has higher limits than a regular <a href=\"https:\/\/www.acceptanceinsurance.com\/our-products\/auto-insurance\/\">car insurance<\/a> policy, plus it usually includes comprehensive insurance and collision insurance, as well as more complex legal issues that can arise from a <span class=\"white-space\">work-vehicle<\/span> accident.<\/p>\n<p style=\"text-align: left\">Various types of insurance policies cater to specific circumstances in a commercial setting. Your local Acceptance agent can assist you in exploring these options and determining which one both protects your business and positions it for success.<\/p>\n    <\/div>\n    \n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div class=\"o-wrapper o-wrapper--small\" id=\"carrer-get-callout-block_46a577b4f00dcce71969181f9be1f286\">\n        <div class=\"c-get-callout\">\n                            <h2 class=\"c-section__title c-section__title--blue\">Check with us for a Free, Affordable Business Insurance Quote<\/h2>\n                                        <div class=\"o-component s-cms-content s-cms-content--center\">\n                    <p>As proud members of your community, we understand how important it is to have reliable support for your business dream. You can depend on us to make sure your business excels. You can start today by getting a free <button class=\"js-quote-modal-button\"><a>business insurance quote online<\/a><\/button>, giving us a call at <span class=\"white-space\"><a href=\"tel:1-800-321-0899\">800-321-0899<\/a><\/span>, or stopping by one of our convenient locations where our agents will happily help you.<\/p>\n                    \n                <\/div>\n                                                            <ul class=\"o-component o-list-bare c-get-callout__list\">\n                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <button class=\"c-get-callout__link js-quote-modal-button\" aria-expanded=\"false\" aria-controls=\"modalQuote\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/Group-625600.svg\" alt=\"\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Quote Online<\/div>\n                                <\/button>\n                            <\/li>\n                                                                                                                                                        <li class=\"o-list-bare__item c-get-callout__item\">\n                                <a class=\"c-get-callout__link\" href=\"tel:1-877-405-7102\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/Group-625601.svg\" alt=\"\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Over the Phone<\/div>\n                                <\/a>\n                            <\/li>\n                                                                                                                                                            <li class=\"o-list-bare__item c-get-callout__item\">\n                                <a class=\"c-get-callout__link\" href=\"https:\/\/locations.acceptanceinsurance.com\/\">\n                                    <img decoding=\"async\" class=\"c-get-callout__img\" loading=\"lazy\" src=\"https:\/\/www.acceptanceinsurance.com\/wp-content\/uploads\/2024\/03\/Group-625603.svg\" alt=\"\" width=\"80\" height=\"80\" aria-hidden=\"true\">\n                                    <div class=\"c-get-callout__text\">Visit Our Offices<\/div>\n                                <\/a>\n                            <\/li>\n                                                                                                    <\/ul>\n                                    <\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"parent":946,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/728"}],"collection":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/comments?post=728"}],"version-history":[{"count":100,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/728\/revisions"}],"predecessor-version":[{"id":6864,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/728\/revisions\/6864"}],"up":[{"embeddable":true,"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/pages\/946"}],"wp:attachment":[{"href":"https:\/\/www.acceptanceinsurance.com\/wp-json\/wp\/v2\/media?parent=728"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}