The more info you give, the better we'll be able to understand the risk and negotiate for competitive rates!
Have you had any claims in the last 5 years? If so, please provide a detailed description of each claim along with approximately how much money has been paid out for each occurrence.
Please list the total number of employee within your business. Please also further "subdivide" this number into specific categories as well (10 total employees: 5 clerical, 3 sales, 2 service).
If you own your building or condo unit, how much coverage would you like on it? (Side Note: Any sort of vehicle lift or other items that are "attached" to the building or fastened to the ground would be included within the building limit. Feel free to mention and/or list these items as well)
How much coverage would you like for your business personal property and contents? Try to be as specific as possible and break down each into line items if you are able to do so (ei: $50,000 in office furniture, $25,000 in computer hardware/software, $10,000 office supplies, etc).
Would you like coverage for and any tools and/or equipment that is taken off premise? If so, please explain which tools are taken off premise, how often this happens, and how much coverage would you like.
Is there any additional property that you need coverage for? These items may include (but are not limited to) signs, lights, clocks, fences, playgrounds, etc.
Please list the year, make, model, and VIN for each vehicle. Please also indicate which vehicles need full coverage or just liability only.
An owner of a business has the option to exclude themselves from their Work Comp coverage and thus save some money on their premiums. If you would like to take this option, please list each owner, their annual payroll, and the type of work they are specifically engaged in (ie: office work, sales, in the field, etc.)
Please list each classification along with its corresponding payroll. For example, you may have a "clerical" classification for your office employees with a corresponding payroll of $100,000, or a "salespersons" classification for your sales force with a payroll of $50,000.
Is there anything else that you would like us to know?
