Small Business Insurance
What is a good estimate of small business insurance?
I'm working on a project for my MBA class. I'll organize a small company for the project. It is a cooperative of producers of specialty poultry. The markets for poultry to the local cooperative of leading retailers and transport final product (after processing, packaging and storage at the retail DC.) I need a quotation for liability insurance and insurance in a small truck refrigerated (led by someone with an impeccable record.) Estimated annual premium need match a precise number of policies – please, at least possible! quoters line of insurance are not working.
No, you can not buy this kind of insurance online. And you missed a lot of very crucial information and coverage. "Small" is in the eye of the beholder. You need to GL with product liability, workers compensation, cargo cover (for action) and commercial automobile insurance – which vary widely depending on coverage and how much you drive accurate. SO. The GL is being assessed on gross sales. You can calculate, with a food and retail marketing, will be required to carry at least $ 1,000,000 GL but also must carry at least $ 2,000,000 of superior responsibility. You probably want to remember the coverage, but good. Assuming that the gross sales is about $ 500,000 per year (very, very low), GL is probably going to run around $ 7500, and excess / umbrella about $ 6,000. The workers comp that will run another $ 5K at least – maybe more. The truck coverage, assuming no coverage for the truck business class code, less than 250 miles, the sole responsibility (again, you need the $ 1,000,000 to be on premises to deliver) will probably run around $ 4K. the stock coverage, probably will run about $ 2500 for no more than $ 25,000 of chicken at a time. Want breakdown of refrigeration / coverage of deterioration? That will cost more.
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