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You've already tried getting business insurance quotes, haven't you? And it sucked, right?
You filled out a form. Got a call from a broker. Then either got ghosted, or got a proposal so expensive you gave up.
And you still might not have answers to the questions that actually matter:
It doesn't have to be like this.
At GroupLeader.com, we show you business insurance prices for the coverage you actually need - whether that's general liability, commercial property, workers' comp, or commercial auto.
No jargon. No games. No runaround.
So here's the deal: Poke around. Watch the videos below. Then enter your zip code and see how much insurance actually costs.
If it makes sense? Let's talk. I'd love to help out if I can.
Thanks,
Ryan Hart, hello@groupleader.com
Licensed Business Insurance Broker
Business insurance protects your company from the costs of lawsuits, accidents, and disasters.
You trade a small, known cost (your premium) to eliminate a massive, unknown cost (a lawsuit or catastrophe).
Covers damage you accidentally cause to other people or their property. If you break it, this pays to fix it.
Covers medical bills and lost wages if your employee gets hurt while working. It also protects you from being sued by them.
Covers your physical assets. Whether it's a building fire or tools stolen from a truck, this pays to replace your gear.
"Your advice on the structural load was incorrect, costing us $15k in delays. We expect reimbursement..."
Also called E&O. Covers you if you give bad advice, make a clerical error, or fail to deliver a service as promised.
Property insurance stops at your front door. This covers your equipment, tools, and materials when they are moving—in your truck, on a trailer, or at a temporary job site.
A Business Owners Policy (BOP) bundles General Liability and Commercial Property into one package. It is usually cheaper than buying them separately.
Short answer: If you have customers, you need insurance.
Long answer: Unless you have an infinite bank account to pay for lawsuits, accidents, and fires out of pocket, you need to transfer that risk to someone else.
House, Car, Savings
There is no legal separation between you and your business. If the business is sued, your personal house, car, and savings are on the line.
"Bid accepted contingent on proof of GL..."
Most General Contractors and clients will not hire you without proof of insurance. It is the ticket to getting work.
"Sales exceeded threshold. Upload COI to avoid suspension..."
Amazon, Wayfair, and Walmart often require sellers to carry insurance once they hit a certain revenue threshold. Product liability is also a major risk.
Non-profits have liability just like businesses. Directors & Officers (D&O) coverage is crucial to protect board members from being sued personally.
It covers the "Oh, sh*t" moments.
Specifically, business insurance covers accidental damage you cause to others (General Liability), injuries to your own people (Workers' Comp), and the physical stuff you own (Property/Inland Marine).
Business insurance covers legal fees, court costs, and settlements if you are sued for covered claims.
Commercial Property insurance pays to replace inventory, electronics, and tools stolen from your business.
General Liability pays for the medical bills if a customer slips, falls, or gets hurt on your premises.
Business Interruption insurance replaces lost net income if you are forced to close temporarily due to a covered disaster.
It excludes the "I saw that coming" moments.
Business insurance won't cover things that break simply because they are old (Wear and Tear), illegal acts you commit on purpose (Fraud), or losing money just because business is slow (Bad Strategy).
Standard property policies exclude floods and earthquakes. You must buy separate "Flood" or "Earthquake" policies.
"Charges filed for intentional fraud..."
Insurance covers accidents, not crimes. If you intentionally break the law or defraud someone, you are on your own.
Most business interruption policies have specific exclusions for losses caused by viruses, bacteria, or pandemics.
Insurance is for sudden, accidental damage (like a storm). It is not a warranty for old equipment or lack of maintenance.
The short answer: Less than a lawsuit.
The real answer: Most small businesses pay between $40 and $60 per month for a standard General Liability policy. If you bundle it with property coverage (a BOP), expect to pay around $60 to $100 per month.
Agreeing to pay more out-of-pocket when a claim happens (e.g., $2,500 vs $500) significantly lowers your monthly bill.
Your zip code matters. Areas with high crime rates, heavy traffic (for auto), or severe weather risks will have higher premiums.
More employees means more chance of injury. Workers' Comp premiums are calculated directly based on your annual payroll.
Carriers review rates every year. If inflation is high or industry claims are up, expect a 3-5% increase at renewal.
If you can’t prove it, they won’t pay it.
Take clear photos of the damage, keep the broken inventory until told otherwise, and write down exactly what happened while your memory is fresh. The more detail you give the adjuster upfront, the faster you get paid.
Denials happen (usually due to missing info). You can review the reason code, provide new evidence, and file a formal appeal.
Varies by claim size.
Just like auto insurance, using the policy flags you as higher risk. Small claims might be better paid out of pocket to protect your rate.
Adjusters calculate the cost to repair/replace, subtract depreciation (wear & tear), and then subtract your deductible.
"We reviewed the carrier's estimate and found $5k in omitted labor costs..."
You can hire a "Public Adjuster" to independently appraise the damage and negotiate with the insurance company on your behalf.
It's okay to have more questions.
Nobody teaches this stuff in school. Here are the answers to the questions everyone thinks are "too basic" to ask.
"Captive" agents sell only one brand (like State Farm). Independent brokers (like us) shop 30+ carriers to find the best rate.
Old policy canceled effective today.
You can switch providers any time. We handle the paperwork to ensure there are no gaps in coverage during the transition.
A Certificate of Insurance is a one-page document proving you have active coverage. Clients will demand this before letting you on a job site.
*Pro-rated refund issued.
You can cancel whenever you want. You typically get a pro-rated refund, though some carriers charge a small "minimum earned premium" fee.
Deep dive into the specific coverage needs for your industry. We've written the playbook on commercial risk.
