Business Insurance Port Charlotte

When you start a small business you need to have insurance—it's a simple fact. But before you buy small business insurance, it's wise to shop around for the best rates and to ensure that you have a clear understanding of what needs to be covered.

Find an Agent that has experience in all line of coverage and has run a business.
Steve Chesnut is just such an agent.  Business owner and insurer of multi MILLION dollars of exposure. 

When looking for a small business insurance quote, there are some things you will need to know.

• The Nature of Your Small Business: There are some types of businesses that many insurance companies decline coverage, like amusement parks, aviation businesses and security companies. The good news is that there are small business insurance companies specializing in these areas, you just need to seek them out.

Your Address and Building Specifications: When shopping for quotes, you'll need to state :

• • What is the total customer area?
  • What is the age of the building?
  • What types of tenants occupy the building?

Company Overview: Insurance agents will also ask you how many years you have been in business, your projected and current gross annual receipts, plus the number and nature of employees and or Payroll.  Depends on the business.

• Business Vehicles:
• If you have mobile service vehicles, you will need names, social security numbers and drivers license numbers for all employees who drive the vehicles. In other words, you need to provide as much information as you can.  

Worker Compensation is required if you have 4 or more employees.  This does not make a difference if they are Fulltime or Parttime.  If you are caught without workers compensation you will be fined.

If your in a construction related indusry you are required to provide workers compensation if you have 1 or more employees.

As the owner you can elect to be exempt.  Please call to discuss how to do this. 239-841-7526 Steve Chesnut.

The best program for Workers Compensation is a Pay-As-You-Go plan.  You only pay for the Workers Compensation you use.  Contact us for more info.

Steve Chesnut
239-841-7526
swc@comcast.net