Where can I find the best business insurance rates?

Question

My friend and I have a photography business. We are trying to find the best business insurance rates, especially for equipment and health?

Answer 1

Try using yellowpages.com to search for group health insurance brokers in your area.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance.

A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state

Answer 2

geico.com

Answer 3

http://autoinsurance.bebto.com - you can try this company. I personally have their car insurance for small business. As I know it is a cheapest one for business in my area (NYC).

Answer 4

OK, there's no one size fits all best.  

With just the two of you, you're most likely looking at individual health insurance plans, anyway.  A few states will let you be a group with two employees, but most require at least three.  

You need to find a local, independent agent, who can get you equipment, liability, workers comp, and health insurance.  Because a business is probably going to have to show workers comp coverage in force, before a health carrier will take you on (they don't want to be on the hook for wc claims).

Answer 5

Find a broker who represents multiple carriers.  Some of the top carriers for business insurance are CNA, HArtford, Safeco, Allied and Zurich.  Don't get just one quote.  Remember that not all brokers charge fees, and if they do, try to negotiate them.

For health, find a health ins specialists.  Make sure to get multiple quotes.  Don't deal with a broker that won't provide you with at least three quotes.

Also, never call a broker from the phone book or internet.  Ask some friends who they use.  There's a lot of crapy brokers out there.  Find someone you can trust.