Business Insurance
Resources & FAQ

Below are useful resources and Frequently Asked Questions about Business Insurance. There is good information here, but we’ve got a lot more knowledge than we can fit on this page. If we missed something, our friendly staff will always make time to answer your questions.

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Business Insurance Resources

Client PortalClient Portal
Our client portal is an insurance resource hub to help you learn more about protecting your financial future.
Insurance ID FormInsurance ID Form
Print this to submit a new request for Insurance ID
Automobile Accident ReportAutomobile Accident Report
This file serves as a reminders in securing necessary information in the event of an accident.

Frequently Asked Business Insurance Questions

Q
Is every possible claim scenario covered by my insurance policy?
A

You can certainly report your claim directly to the company especially if the damage is significant and is more than your deductible. If you are not sure what your deductible amount is or have questions about the loss, call your agent. We are here to discuss your options and answer your questions before notifying the company.

Q
Do I need to buy business insurance?
A

If you have employees, you have to buy worker’s compensation coverage. If you’ve entered into a lease agreement, you’ll need to procure liability & property coverage. There are many other coverages that would be recommended depending on your specific business. To find out, contact one of our business insurance professionals.

Q
How are my premiums determined?
A

Your policy premiums are dependent on three primary variables: insurance carrier capacity, your exposures, and your loss experience. If there’s a shortfall of capital in the insurance marketplace, the cost of all insurance will be high. The more property you have to insure or the more exposures to loss you have, the higher your premiums. The higher your historic losses, the less likely insurers will want to take on your risk, thereby increasing your premiums.

Have More Questions?
Speak with our Business Insurance Team.

bperkins@christensengroup.com
(952) 653-1065
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jliska@christensengroup.com
(952) 653-1111
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jscullin@christensengroup.com
(952) 653-1074
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