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This may be used as a premium factor in relation to other inputs into the carrier’s system.
Payroll may be an included coverage in the policy and in the event the business cannot pay, the insurance company would pay payroll. It may also be used as a premium factor.
Insurance companies need to know what your business does, what products are sold, what services are offered, etc. to make sure that you are covered.
What type of work does your business do. Examples of Sectors/Industries include: Agriculture, Auto, Finance, Food, Real Estate, Retail.
Coverage- This helps the agent know if you want standard insurance, cheap insurance, or would rather know that you are covered for pretty much anything.
Current Insurance Company
Coming from another insurance company typically lowers your rate.
Date of Birth
Insurance companies associate age with experience.
This is the amount of money you will pay for a claim before the insurance company will pay any money.
Vehicles that are leased or rented for business use.
This pays for damages you caused to other people and their property. There is a limit for each occurrence and a limit for the policy period.
Singles are usually associated with higher risk and a married couple or widowed person is associated with lower risk.
This is a liability coverage. If someone is injured on your property the insurance company will pay up to the predetermined limit per person.
Vehicles the business doesn’t own but are used for business purpsoses such as an employee’s personal vehicle.
Number of Floors
How many floors does the building you work in have?
Number of Employees
More employees means your business is more liable.
Different ownership types create different risks for individuals and their insurance.
Primary Source of Heat
Different risks and costs to replace are correlated with the different heat systems.
Professional Employment Organization
This is a company that lends or leases employees to a company.
An evaluation of how much an insurance company thinks its going to pay out to a policyholder. If you have high risk, the premium will be higher and if you have low risk, the premium will be lower. Almost every question on an insurance quote is factored into how risky you will be to insure.
Square Footage that your Business Occupies
More business space equals more risk.
U.S. Department of Transpiration Number. This is equivelant to the drivers license number for a business.
Different costs apply to different siding and walls, this would affect premium.
Year Roof, Electrical, HVAC, and Plumbing Systems have all been updated
Insurance companies associate older systems with higher risk and more cost to repair.