Tips for Buying Business Insurance, by Rocklin, Roseville and Sacramento Area Attorney Terry L. Gilbeau

Whether you own or manage a business in the Rocklin, Roseville, or Sacramento area you will at some point want to consider your insurance needs. Even if you have business insurance it is a good idea to give some thought about what you have, what you need, and if you could be getting better rates by making a switch. With the New Year just around the corner, it’s a good idea to take a look at what you are doing with your business insurance needs.

Here are some tips to keep in mind when it comes to buying business insurance:

  • Consider what you need. The type of business that you have is going to influence the type of insurance that you may need to have. You will need to give thought as to whether or not you need it to even cover such things as company cars, furniture, etc.
  • Get multiple quotes. Rather than settle for the first insurance rate you get, call around, or go online, and get multiple quotes. Ideally you should get a quote from at least three different business insurance providers. Be sure to get their quote in writing, with all the details of what is covered detailed on the paper.
  • Compare quotes. Once you have multiple quotes you can do some side by side comparison to ensure you get the best rates. Be sure to compare like products. You don’t want to jump to go with the one with the lowest rate only to find out that company doesn’t provide as much coverage. Compare all aspects of what you get for each business insurance quote you have received.
  • Make a selection. After doing some comparison shopping you are ready to choose which plan to go with. You may want to give the company a call or stop in and see how friendly and attentive they are in providing you service. You want to make sure that they provide good customer service from the start. If they don’t, that is likely the type of service you will receive if you ever need to file a claim.

A good place to start when looking for business insurance is to ask around. Find out who others are using for their insurance if they are satisfied with the service. They will likely be able to get you started in the right direction with gathering rates in the Rocklin, Roseville, and Sacramento area. You can go from there to do the rest and find the best company to meet your business insurance needs.

The Law Offices of Terry L. Gilbeau provides personalized counsel to clients in a variety of business and personal matters, including creditors’ rights, debt collection, products liability and international transaction issues. His office is located in Rocklin, CA, just outside of Sacramento, CA, near Roseville, Lincoln, Auburn, in Placer County and can be reached at (916-626-5539) or email Terry at Click here for the firm website

Written by