Small Business Insurance Quote

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In search of Group Health Insurance For Small Businesses?  You can review the best health insurance rates available online using certain websites.  Find the best deals on health insurance now by going here.

It’s not a very good idea to go on without having health insurance coverage.  Injuries and illnesses are hard to predict and usually come when you have your guard down.  Expenses can add up pretty quick and getting health insurance isn’t cheap by any means.

The lack of health insurance can wipe out your financial stability in the event of unexpected injuries or accidents.  Medical assistance can be quite steep and, thus, it’s vital for many people to acquire affordable health insurance.

You can choose from different firms that provide medical care insurance.  You can choose from different firms that provide medical care insurance.

Finding a suitable health policy can be a difficult task.  You need to verify that you get the finest coverage you can for a cost that you can safely pay without worries.  Hence, it’s a great idea to compare health quotes online to find out who can give you the best coverage for the best price.

Get an instant quote right now!

You will have to give basic information in a questionnaire so you can get your Group Health Insurance For Small Businesses.  Quotes from various providers will be gathered and you will be able to review the policy figures and all prices from the different health insurance providers.  You will be able to sort out the policies that meet your needs and that are in your budget.

Online health quote services can save you time and much frustration.  Getting a quote from each of the different providers separately would take many hours.  Happily, however, free services exist for anyone to get health quotes from all the available providers very easily and quickly.

Click here if you want more info on Group Health Insurance For Small Businesses and to acquire a free insurance rate.

Are you looking for Health Insurance Options For Small Businesses?  Numerous sites allow you to review the best health insurance rates online.  Go here to find the best health insurance rates available now.

It’s not very bright to go without having health insurance coverage.  Many times injuries and illnesses occur when you least expect them.  Acquiring health coverage can become expensive and costs tend to add up quite quickly.

In reality, if an accident or ailment comes up and you have no insurance you could be cleaned out financially.  It’s crucial for the average American to obtain an ffordable health insurance policy as medical care can be quite overpriced.

Numerous companies supply health care coverage.  Different insurance packages are available so that people can get matched to a proper health insurance policy.

It can take a lot of time and energy to find a suitable insurance policy.  It’s important to obtain an optimal insurance policy for an amount that you can affordably cover.  It is thus a good idea to get insurance quotes online to find the best options available.

Click here for your free health insurance quote.

To get Health Insurance Options For Small Businesses when using a service, you simply need to fill out a basic questionnaire.  A comparison between the different insurance policies will be made available to you and you will be able to see who provides the best deal.  You can then choose the insurance policies that meet your needs and that you can pay comfortably.  

Take advantage of the time-saving health quote services available to you for free.  It would require you to spend several hours to get a quote from each insurance provider separately.  It’s a good thing there are free services you can use to get health quotes from insurance companies almost instantaneously.

Learn more on Health Insurance Options For Small Businesses and grab free insurance quotes here.

In need of Health Insurance Plans For Small Businesses?  There are various websites that allow you to request health insurance quotes instantly.  Discover the best health insurance rates available for you here.

These days it’s not a good idea to be without health care coverage.  You can get sick anytime and injuries can occur when you least expect them.  Acquiring health insurance isn’t cheap by any standards and expenses can add up rather fast.

A financial wipe out is a possible scenario when injuries or ailments occur and there is no existing health coverage.  Medical support can be quite pricey and that’s why it’s urgent for millions of Americans to get low-cost health coverage.

You can choose from different firms that provide medical care insurance.  So people can pick what fits their needs best, these agencies provide multiple different insurance packages.

It can be complicated to find the right health policy.  iYou have to ascertain the coverage you choose is the best you can get for a cost that you can safely pay.  Thus, you should compare health insurance rates online to see who can give you the best deal on your insurance policy.

Go here for a free health insurance quote.

In order to get Health Insurance Plans For Small Businesses when using a health quote service, you will need to provide basic information such as your age and gender.  You will get a number of different insurance policies from different providers to review the prices and policy figures from all the different providers.  You will have the ability to pick out the policies that are meet your needs and that you can pay comfortably.  

The health quote websites save you a lot of time and energy.  It would take many hours to complete a quote request from each insurance provider if done separately.  Thankfully, however, there are free sites you can use to obtain quotes from organizations almost instantaneously.

Click here to get a free insurance quote and to get more info on Health Insurance Plans For Small Businesses.

(Austin, TX) November 24, 2008 — In an attempt to conquer the mounting fears of depression and deflation, President-elect Barack Obama’s Saturday radio address touted a stimulus plan far grander than what had been advertised during his campaign – 2.5 million new jobs over the next two years with a price tag between $500 and $700 billion. While Obama campaigned on relief for small businesses, it might be awhile before we see those proposals come to fruition.

Obama further restored investor confidence with his announcement of New York Federal Reserve President, Tim Geithner, 47, as Treasury secretary. Obama holds that Geithner offers “an unparalleled understanding of our current economic crisis, in all of its depth, complexity and urgency.” Much of today’s deflation anxiety stems from observance of the widespread banking crisis which hit Japan during the 1990s. Tim Geithner was “Treasury attaché in the Tokyo embassy for the first half of that decade” (Bill Powell, Time Magazine). Although officially released Monday, word that Obama was likely to choose Geithner sent stocks soaring at the end of last week.

Over the past 5 years, we’ve seen salaries struggle to keep up with inflation and therefore Americans have been borrowing more and more money. Core inflation, a measure of inflation excluding items that face volatile price movements (like food and energy), is now negative which has increased the average American’s buying power. This obviously helps workers even if it hurts companies. However, when consumer prices fall, spending collapses. As seen in the Great Depression when “supply swamped demand, driving prices down,” lower prices also raise the threat of deflation (Dallas Morning News). The U.S. Labor Department reported that consumer prices fell 1 percent in October from the previous month, the biggest fall since 1947, and while the consensus is that deflation is a remote possibility, it should still be taken very seriously. In a recent interview, Democratic Senator Charles Schumer said “the nation is on the brink of the same kind of deflationary spiral that pushed down prices, closed businesses and obliterated jobs during the Great Depression” (Lori Montgomery, Washington Post)

What would deflation mean for the country?

1.    As prices fell and old debts stayed fixed, companies would have a harder time repaying those debts and bankruptcies and unemployment would more than likely increase.
2.    Deferred spending would further slow the economy. If people feel they can count on prices dropping, they wait until the next month, or the next month, etc. to make a purchase and while they wait, the economy spirals downward.

Richard Berner, chief U.S. economist for Morgan Stanley, writes, “The ultimate bastion of defense against deflation is a Fed committed to avoid it at all costs” (Bill Powell, Time Magazine). What might the Fed do? According to Reuters’ Alister Bull, “some economists believe the Fed will cut [interest] rates to zero over the next three months.” Obama and his economic team plan to hit the ground running, hoping to pass a strengthened stimulus plan as soon as the President-elect enters office on January 20th.

For the small business owner, however, relief may not come as quickly. Matthew Bandyk (U.S. News) argues that “while many industries from life insurance to the automotive companies have been asking for a piece of the bailout money, it is harder for small businesses to get Washington’s ear. Large businesses make the argument that the economy can’t afford for them to go bankrupt.” The financial crisis and another stimulus package now top the already substantial list of topics likely to eclipse small business issues.

The Senate Committee on Small Business and Entrepreneurship, led by Sen. John Kerry, has urged current Treasury secretary Henry Paulson to “use a portion of the rescue package to purchase government-backed small business loans through the Troubled Assets Relief Program (TARP)” which would “provide immediate relief to small businesses shut out of the credit market because of a paralyzed system” (Market Watch). In October, on the other side of the election, Obama proposed a “small business rescue plan” or tax incentives and loans. CNNMoney.com’s Stacy Cowley and Emily Maltby reported the following:

Obama’s new plan calls for the SBA’s loan guarantee programs to temporarily eliminate the fees they charge lenders, and for the agency to increase the guarantees it offers to banks that lend to qualifying small companies. Additionally, he wants the SBA to expand its facility for directly lending money to small companies through its Disaster Loan Program.

While the Disaster Loan Program is designed to aid businesses affected by natural disasters, it “does occasionally offer loans to help with nontraditional disasters” (CNNMoney.com). “There are no quick or easy fixes to this crisis, which has been many years in the making, and it’s likely to get worse before it gets better,” Obama said Saturday with the kind of honesty the American people will need to suffer the storm. The question is how many small businesses will go under while waiting for the change Obama’s promised?

About ChooseWhat.com:

ChooseWhat.com, the entrepreneur’s resource site, offers business consumers practical information about basic, but important business product categories (ie: phone systems) and specific comparisons of the vendors. We strive to provide you with clear and accurate information and insight allowing you to make a quality buying decision in minimal time.

Tax credits for certain small employers that provide insurance. The new law provides small employers with a tax credit (i.e., a dollar-for-dollar reduction in tax) for non-elective contributions to purchase health insurance for their employees. The credit can offset an employer’s regular tax or its alternative minimum tax (AMT) liability.

Small business employers eligible for the credit. To qualify, a business must offer health insurance to its employees as part of their compensation and contribute at least half the total premium cost. The full amount of the credit is available to an employer with 10 or fewer full-time equivalent employees (“FTEs”) and whose employees have average annual full-time equivalent wages from the employer of less than $25,000.  The credit is completely phased-out if a business has more than 25 FTEs and those employees have annual full-time equivalent wages of more than $50,000.

Years the credit is available. The credit is initially available for any tax year beginning in 2010, 2011, 2012, or 2013. Qualifying health insurance for claiming the credit must be purchased from an insurance company licensed under state law. For tax years beginning after 2013, the credit is only available to an eligible small employer that purchases health insurance coverage for its employees through a state exchange and is only available for two years. The maximum two-year coverage period does not take into account any tax years beginning in years before 2014. Thus, an eligible small employer could potentially qualify for this credit for six tax years.

Calculating the amount of the credit. For tax years beginning in 2010, 2011, 2012, or 2013, the credit is generally 35% (50% for tax years beginning after 2013) of the employer’s non-elective contributions toward the employees’ health insurance premiums. The credit phases out as firm-size and average wages increase.

Special rules. The employer is entitled to an ordinary and necessary business expense deduction equal to the amount of the employer contribution minus the dollar amount of the credit. For example, if an eligible small employer pays 100% of the cost of its employees’ health insurance coverage and the amount of the tax credit is 50% of that cost (i.e., in tax years beginning after 2013), the employer can claim a deduction for the other 50% of the premium cost.

Self-employed individuals, including partners and sole proprietors, two percent shareholders of an S corporation, and five percent owners of the employer are not treated as employees for purposes of this credit. There is also a special rule to prevent sole proprietorships from receiving the credit for the owner and their family members. Thus, no credit is available for any contribution to the purchase of health insurance for these individuals and the individual is not taken into account in determining the number of full-time equivalent employees or average full-time equivalent wages.

Most small businesses exempted from penalties for not offering coverage to their employees.Although the new law imposes penalties on certain businesses for not providing coverage to their employees (so-called “pay or play”), most small businesses won’t have to worry about this provision because employers with fewer than 50 employees are not subject to the “pay or play” penalty. For businesses with at least 50 employees, the possible penalties vary depending on whether or not the employer offers health insurance to its employees. If it does not offer coverage and it has at least one full-time employee who receives a premium tax credit, the business will be assessed a fee of $2,000 per full-time employee, excluding the first 30 employees from the assessment. So, for example, an employer with 51 employees who doesn’t offer health insurance to his employees will be subject to a penalty of $42,000 ($2,000 multiplied by 21). Employers with at least 50 employees that offer coverage but have at least one full-time employee receiving a premium tax credit will pay $3,000 for each employee receiving a premium credit (capped at the amount of the penalty that the employer would have been assessed for a failure to provide coverage, or $2,000 multiplied by the number of its full-time employees in excess of 30). These provisions take effect Jan. 1, 2014.

The “Cadillac tax” on high-cost health plans. The new law places an excise tax on high-cost employer-sponsored health coverage (often referred to as “Cadillac” health plans). This is a 40% excise tax on insurance companies, based on premiums that exceed certain amounts. The tax is not on employers themselves unless they are self-funded (this typically occurs at larger firms). However, it is expected that employers and workers will ultimately bear this tax in the form of higher premiums passed on by insurers.

Here are the specifics: The new tax, which applies for tax years beginning after Dec. 31, 2017, places a 40% nondeductible excise tax on insurance companies and plan administrators for any health coverage plan to the extent that the annual premium exceeds $10,200 for single coverage and $27,500 for family coverage. An additional threshold amount of $1,650 for single coverage and $3,450 for family coverage will apply for retired individuals age 55 and older and for plans that cover employees engaged in high risk professions. The tax will apply to self-insured plans and plans sold in the group market, but not to plans sold in the individual market (except for coverage eligible for the deduction for self-employed individuals). Stand-alone dental and vision plans will be disregarded in applying the tax. The dollar amount thresholds will be automatically increased if the inflation rate for group medical premiums between 2010 and 2018 is higher than projected. Employers with age and gender demographics that result in higher premiums could value the coverage provided to employees using the rates that would apply using a national risk pool. The excise tax will be levied at the insurer level. Employers will be required to aggregate the coverage subject to the limit and issue information returns for insurers indicating the amount subject to the excise tax.

For more information visit www.mcquadebrennan.com

(Austin, TX) November 24, 2008 — In an attempt to conquer the mounting fears of depression and deflation, President-elect Barack Obama’s Saturday radio address touted a stimulus plan far grander than what had been advertised during his campaign – 2.5 million new jobs over the next two years with a price tag between $500 and $700 billion. While Obama campaigned on relief for small businesses, it might be awhile before we see those proposals come to fruition.

Obama further restored investor confidence with his announcement of New York Federal Reserve President, Tim Geithner, 47, as Treasury secretary. Obama holds that Geithner offers “an unparalleled understanding of our current economic crisis, in all of its depth, complexity and urgency.” Much of today’s deflation anxiety stems from observance of the widespread banking crisis which hit Japan during the 1990s. Tim Geithner was “Treasury attaché in the Tokyo embassy for the first half of that decade” (Bill Powell, Time Magazine). Although officially released Monday, word that Obama was likely to choose Geithner sent stocks soaring at the end of last week.

Over the past 5 years, we’ve seen salaries struggle to keep up with inflation and therefore Americans have been borrowing more and more money. Core inflation, a measure of inflation excluding items that face volatile price movements (like food and energy), is now negative which has increased the average American’s buying power. This obviously helps workers even if it hurts companies. However, when consumer prices fall, spending collapses. As seen in the Great Depression when “supply swamped demand, driving prices down,” lower prices also raise the threat of deflation (Dallas Morning News). The U.S. Labor Department reported that consumer prices fell 1 percent in October from the previous month, the biggest fall since 1947, and while the consensus is that deflation is a remote possibility, it should still be taken very seriously. In a recent interview, Democratic Senator Charles Schumer said “the nation is on the brink of the same kind of deflationary spiral that pushed down prices, closed businesses and obliterated jobs during the Great Depression” (Lori Montgomery, Washington Post)

What would deflation mean for the country?

1.    As prices fell and old debts stayed fixed, companies would have a harder time repaying those debts and bankruptcies and unemployment would more than likely increase.
2.    Deferred spending would further slow the economy. If people feel they can count on prices dropping, they wait until the next month, or the next month, etc. to make a purchase and while they wait, the economy spirals downward.

Richard Berner, chief U.S. economist for Morgan Stanley, writes, “The ultimate bastion of defense against deflation is a Fed committed to avoid it at all costs” (Bill Powell, Time Magazine). What might the Fed do? According to Reuters’ Alister Bull, “some economists believe the Fed will cut [interest] rates to zero over the next three months.” Obama and his economic team plan to hit the ground running, hoping to pass a strengthened stimulus plan as soon as the President-elect enters office on January 20th.

For the small business owner, however, relief may not come as quickly. Matthew Bandyk (U.S. News) argues that “while many industries from life insurance to the automotive companies have been asking for a piece of the bailout money, it is harder for small businesses to get Washington’s ear. Large businesses make the argument that the economy can’t afford for them to go bankrupt.” The financial crisis and another stimulus package now top the already substantial list of topics likely to eclipse small business issues.

The Senate Committee on Small Business and Entrepreneurship, led by Sen. John Kerry, has urged current Treasury secretary Henry Paulson to “use a portion of the rescue package to purchase government-backed small business loans through the Troubled Assets Relief Program (TARP)” which would “provide immediate relief to small businesses shut out of the credit market because of a paralyzed system” (Market Watch). In October, on the other side of the election, Obama proposed a “small business rescue plan” or tax incentives and loans. CNNMoney.com’s Stacy Cowley and Emily Maltby reported the following:

Obama’s new plan calls for the SBA’s loan guarantee programs to temporarily eliminate the fees they charge lenders, and for the agency to increase the guarantees it offers to banks that lend to qualifying small companies. Additionally, he wants the SBA to expand its facility for directly lending money to small companies through its Disaster Loan Program.

While the Disaster Loan Program is designed to aid businesses affected by natural disasters, it “does occasionally offer loans to help with nontraditional disasters” (CNNMoney.com). “There are no quick or easy fixes to this crisis, which has been many years in the making, and it’s likely to get worse before it gets better,” Obama said Saturday with the kind of honesty the American people will need to suffer the storm. The question is how many small businesses will go under while waiting for the change Obama’s promised?

About ChooseWhat.com:

ChooseWhat.com, the entrepreneur’s resource site, offers business consumers practical information about basic, but important business product categories (ie: phone systems) and specific comparisons of the vendors. We strive to provide you with clear and accurate information and insight allowing you to make a quality buying decision in minimal time.

The purpose of taking a small business insurance cover the risks that you and your business cannot afford to take. Evidently, taking business insurance has become extremely important in today’s competitive scenario. Unfortunately, most small business owners do not understand the exact necessity of business insurance and thus, they have to suffer afterwards. Undoubtedly, having affordable insurance policies provide more security and stability to businesses. Let us discuss two important liability insurance terms that may helps you to get the best coverage:

Risk:

No business can get success without taking adequate risks. Risks are challenges that provide suitable opportunities for businesses to stay ahead in the cut-throat competitive world. Hence, risk is viable and an integral part of every entrepreneurial venture. Besides its positive advantage, risk can exceed its boundaries and thus owner may have to suffer badly. To minimize the scope of risk, a small business owner can take different types of business insurance policies that are especially designed to offer a protection cover for aspiring businesses. Companies with special needs can get personalized risk cover for fulfilling their needs.

Assets:

Assets are the important tools that help in generating income and profit for a small business. Anything from equipments, building, tools, manpower, money investment and many more such things constitute the total assets of an entrepreneurial venture. Any harm, breakage or hurdle in the smooth functioning of assets can invite unpleasant situations for a small company. No wonder, companies need to manage and control their assets to derive the desired results.

Business insurance is the most affordable and useful way to protect interests of small owners who nurture the dream of making to the big market. If you too share the dream of flourishing your profit margin and satisfying your customers, taking an insurance policy would be a great deal.

Though the recent campaign for presidency brought affordable health care into the limelight, many small business owners and their employees felt this struggle long before it gained public attention. One of President Obama’s campaign calling cards is his plan for affordable health care. Intertwined within the general theme of affordable health insurance was the more specific aid to assist small businesses in providing health care for their employees.

If California is any indication of the lack of affordable health care in small businesses created in the rest of the United States, there is a major problem. According to Small Businesses for Affordable Healthcare, out of all the businesses in California, more than three million employees are uninsured. Those who do have the luxury of health insurance provided by their small business employers have faced a rise in premium costs at over fifty percent. These grim numbers have made small businesses in California less than an ideal place to work.

In January 2008, the House Committee on Small Business met with many small business owners and heard first hand of the obstacles often faced by countless entrepreneurs. Though close to fifty million individuals nationwide struggle with being uninsured, more than half of these are either employees of small business owners, or the employers who operate the businesses. The magnitude of these statistics is outrageous, and small business owners have tried, unsuccessfully thus far, to fight a seemingly never ending cycle.

Business are, unjustifiably so, having to make harsh decisions, such as laying off some employees in order to provide health insurance to those they choose to remain employed. Resources that should be spent developing and growing a business are instead being put to use dealing with the incredible amount of medical claim paperwork. Businesses are literally failing, in part, due to this health care crisis.

An article from the Robert Wood Johnson Foundation cited business owners as listing health care costs to be the most important problem they deal with in the companies. Imagine beginning employed with a small business and having a particular health care plan. Then, as time goes by, the business you work for begins cutting various benefits out of your health care plan and asking you to pay more and more of the premiums. This is exactly what many small business employees face. Because of rising health care costs, employers are unable to keep up with existing plans. In order to keep the employees insured, sacrifices must be made.

Although developing policy that will provide affordable health care in small businesses is not necessarily a new venture, small business owners and their employees are putting their hope in the new presidential administration to finally “get the job done.” They wish to be able to offer a good, affordable health care plan to their employees and focus on growing the business. More than anything, they are fed up with having to make a decision between the two.

How it plays out, the world shall see.

Individual Health Insurance:

Individual health insurance is coverage intended for one person. If you are self-employed or run your own business, you don’t have access to a group health insurance plan through an employer, and must purchase your own coverage from one of the many health insurance providers located in your state.

There are some pitfalls to obtaining your health insurance from the private sector. For instance, limitations exist that might make it difficult to derive guaranteed benefits from a private insurance policy as an individual. Private companies have a right to ask you for information regarding your current and past health, and are also allowed to reject you for insurance purposes based on your health status, or impose limitations on your coverage.

Blue Cross Blue Shield, on the other hand, is required by law to sell individual health insurance to any resident regardless of health status. This is referred to as guaranteed issue. They must also refrain from charging you more due to any current or preexisting conditions ¨C this is called community rating. HMOs are also required to sell health insurance to any individual during the 30-day open enrollment period that occurs each year.

Individual health insurance policies can vary depending on the company. There are no laws that force private companies to offer the same health insurance products so coverage plans from different providers can offer quite different coverage. But certain benefits for health insurance must be provided in the coverage, including mammograms and diabetes care.

read more: Michigan Health Insurance

Health Insurance New options are designed to make health insurance more affordable for small businesses. Articles, tips, and information about all types of insurance coverage including auto, health, life, home, business, pet, and more… In some states, businesses are required to provide health insurance if they employ more than five workers. No, but it’s not easy to find good small business health insurance. Whether for leisure or business travel, travel insurance is critical in today’s uncertain world to protect your travel investment, health, belongings and vacation memories. As someone whose livelihood depends on your health and ability to run your business, disability insurance is essential.

Senate that would let small businesses buy health insurance policies exempt from state coverage requirements. Senate Bill 1955 would allow businesses belonging to a trade or professional association to band together across state lines to buy health insurance. Our trusted vendors provide excellent small business group health insurance both in price and in service and management. Small business health insurance can often times be expensive and as an employee benefit, difficult to manage. Individual California health insurance plans, family health plans, small business group health insurance brokers, term life rates, long… Health Coverage Providing health insurance coverage can be a challenge for small businesses in today’s competitive environment.

Commonly needed insurance areas for home-based businesses include business property, professional liability, personal and advertising injury, loss of business data, crime and theft, and disability. Property Insurance: Property insurance protects the building, office machines, office furniture, inventory (maybe) and other property owned by a business. general liability, property, mortgage insurance, business continuation, etc.) I can make a couple of recommendations. This policy covers building and personal property on a no-coinsurance, replacement cost basis and automatically includes business income and extra expense coverage.

Use a broad form of business property insurance. Our packaged policies or tailored plans provide a full range of property and liability insurance tailored to protect your business. When purchasing business insurance, include liability coverage to financially protect the business and yourself from damage or injury to customers, workers, or property. You may well need additional forms of business insurance, such as business and general liability, property, workers’ compensation and so on. It is a business insurance policy that protects the employer in case of any loss of money or property due to employee dishonesty. When a hurricane or earthquake puts your business out of commission for days

your property insurance has got it covered. Every year hundreds of businesses that carry adequate insurance against direct property losses fail because they are not insured for indirect losses. Loss of business income: Traditional business insurance usually requires direct physical damage or loss to tangible property. Commercial Insurance Take the pain out of property & casualty and workers’ compensation with commercial insurance designed for small businesses.

General Liability Many business owners buy general liability or umbrella liability insurance to cover legal hassles due to claims of negligence. Internet Business Insurance Web-based businesses may wish to look into specialized insurance that covers liability for damage done by hackers and viruses. General liability insurance is as close to a must have as you may get when operating a business. Even if product liability insurance is expensive, businesses should have it. Product liability insurance is another especially important type of insurance if a business is going to sell manufatured or assembled products. Besides general liability insurance, business insurance comes in more narrowly-defined versions so businesses can get coverage for specific risks.

Small Business page provides guides and interactive tools for small group medical, worker’s compensation and liability insurance, including instant quotes. Product Liability Insurance This insurance covers the business in the event that causes damage in some way as a result of a faulty product. Unitrin Business Insurance is a Dallas-based unit primarily selling commercial automobile, general liability, commercial fire, commercial multi-peril and workers compensation insurance. The BIT is the host of an informative Web site highlighting information on both business and professional liability insurance. You can protect these valuable assets with various types of business liability insurance.

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