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THREE STEPS TO INSURE YOUR BUSINESS

View video transcript.

I. LEADERSHIP ROUNDTABLE DISCUSSION INTRODUCTION

JENNY RUNDE, SENIOR VP PRODUCT DEVELOPMENT: Insureon is the largest provider of
small business insurance online. We make it easy for small business owners to
come to our site and find coverage for their businesses. They can come to our
website, fill out a single application, and get quotes back in seconds from all
of the top carriers. And at that point, they're in the hands of our our
insurance agents who can walk them through all their questions, all of their
concerns and make sure that they've got the coverage that they need.

II. HOW DO OUR EXPERTS ENSURE YOU GET WHAT YOU NEED?

KARI ALLEN, VP SALES: We have best-in-class sales producers who are dedicated to
small market. They specialize in the micro businesses and focus completely on
what are the needs of the small business client, what questions might they have,
and where to direct them to help them understand coverages. We found that over
90% of small business customers don't understand the coverage insurance that
they need, so their job is to help them understand what they need, and how to
get that coverage in place. And so they walk them through as their trusted
advisor.

III. WHAT DO WE DELIVER LONG-TERM FOR SMALL BUSINESS OWNERS?

DY KUNKEL, VP ACCOUNT MANAGEMENT: After the producers write the coverage for the
clients, then it transfers over to our account management team, which our
account management team's goal is to provide ease to the customers and retain
their business. Our customers are really busy as business owners trying to run
their small business, so it's our job to make their lives easier and provide
them with that comfort and support of giving them the insurance that they need
for their business.

IV. WHAT ADDED VALUE COMES ALONG WITH THAT?

JENNIFER CROMLY, DIRECTOR SALES, OPERATIONS, ANALYTICS: We provide value because
we are an insurance agency that works with small business owners all over the
country. And in doing so, we provide the business owner the autonomy to be able
to provide us their information on their timetable.

We have such strong relationships with all of our carriers and our experienced
producers so that wherever that small business owner is located, we have a
carrier that is going to provide the most competitive coverage and the most
comprehensive coverage, and we're then going to be able to maintain this
relationship with the small business owner throughout their growth and changes
as they also develop as a small business owner. I think as a small business
owner there is so much responsibility that they have, and protecting their
business from loss is one of the largest exposures that they have, and it's our
privilege to be able to work with them.

V. WHAT INSURANCE COMPANIES CAN YOU CHOOSE FROM?

MAURA BENSON, DIRECTOR CARRIER RELATIONSHIPS: We partner with A+ rated carriers
in order to accommodate many different types of small business owners and and
what they're doing. Anything from lawn care and accounting, to restaurants and
IT Consultants. By establishing these strong relationships, we're able to
provide competitive rates as well as have a good understanding of the service
center capabilities and just being able to give our clients the the best options
available in the market.

VI. HOW DO SMALL BUSINESS OWNERS FIND US?

YULIA KRONROD, SENIOR VP CUSTOMER ACQUISITION: Most customers find us through
Google, but the way they search for information varies greatly. Some people
search for their profession and how they can protect their type of business with
insurance, others search for policy type. Yet, others just simply ask a question
"Do I need insurance at all?" or "How do I renew my policy?" and things like
that, so we try to educate customers on all those types of queries that they ask
in Google or other search engines. We have information around what type of
policies you need if you run this type of business, what a specific type of
policy covers, we have educational articles for them on how to start and develop
their business into something viable that they can succeed with, and things like
that.

VII. WHAT ARE WE DOING TO MAKE IT EASY FOR SMALL BUSINESS OWNERS TO BUY
INSURANCE?

JENNY RUNDE: We know that many of our customers are a brand new business or new
to buying business insurance, and so it can be a really stressful decision to
make and one of the first things we try to do on our site is really educate
people. Give them all the articles and the blogs and the information that's
going to help educate them and inform them on what they need and what their
options are. We also have the ability through technology to actually recommend
products to them so have them answer a few simple questions about their
business, and in seconds basically can recommend the types of insurance that
they might need to cover their businesses.

So once they're at a point where they feel fairly comfortable with the types of
insurance that they might need, and they've got some of those questions
answered, then it's really our goal to make that process as seamless as possible
in filling out the application. So from there they can select their profession
type, they fill out a simple application online, and in the seconds they're able
to get prices that are real time prices with all of the best carriers.

KARI ALLEN: By the time the application comes in and they compare coverages and
they've either selected to go with certain carrier it's our producer's job to
take a look at everything they put in, make sure that that makes sense, and then
reach out to the customer and interact with them the way they want to be
interacted with, whether that's text, whether that's phone, or whether that's
email. And what they do is really review the coverages that they put together
and you say "Does this make sense? What state is it in? Are our producers are
licensed in every state? What carrier's actions do they have? Have they chosen a
carrier that makes sense for their needs?"

And I think, to put a bow on it, obviously in insurance and potential insurance,
that small business customers are going to have questions, and we can interact
with these customers again how they want to be interacted with, but they're
going to have questions about "What is covered? What isn't covered? How do I
file a claim? What are some things that I need to be aware of as I'm issuing the
policies?" And that's what our people are there for that to make sure that we
put the customer and small business customers needs first and make sure that
they are covered and, you know, set their mind at ease.

DY KUNKEL: After our clients have selected coverage through Kari's team, then
they have the ability to go on and review that coverage again on our customer
portal. Our customer portal also offers them the ability to look back at
policies they've had previously, make changes to their current policies, request
endorsements if they need to on that coverage. They can also get a certificate
of insurance that shows proof of their coverage that they do have today. They
can review which carriers they're with, as well, and the pricing of the coverage
they have currently. And they can also find their insurance agent to get in
contact with them, all by using our customer portal.

VIII. WHERE AND WHEN ARE WE TALKING TO CUSTOMERS?

JENNY RUNDE: Small business owners are...they're busy people. They're not always
in front of their desk, right? They're growing their businesses, they're working
with customers, they're out in the field. And so we know as an organization that
we have to meet them where they are. And we have to be available when they are.
And so for us, we really think very often about mobile as a key channel for our
customers. So many of our customers come to us via their mobile devices, right?
They could be could be late at night after leaving a job site, and that's the
only time that they have to be able to search for insurance, and so that's where
we really focus on our website of being optimized for that mobile experience so
that it is as easy for them to buy insurance via their mobile device or their
desktop as it would be walking into a brick and mortar.

KARI ALLEN: If you're a landscaper and you need a certificate of insurance and
you need to change your coverage the next day, you can go on your mobile phone
make, that option choice, and you can text, or call, or email with a producer at
your convenience, and they can send you the application where you can digitally
sign it and you've got a policy by that next day. It's just all at your
fingertips, which is amazing.

JENNIFER CROMLY: And then just getting the certificate of insurance when you
need it, right? Because those always come at the last minute. The request comes
at the last minute, or you've forgotten about it, and how do we do that?

DY KUNKEL: You can pull it up on your customer portal all on your cell phone.

MAURA BENSON: And you don't have to worry about the the business being closed,
or having to get to the office before you do something else that day, or to the
agent's office.

DY KUNKEL: Or print it. Just do it online. It's all digital.

JENNIFER CROMLY: And even though we're an online agency, we still provide that
personal touch and that relationship with our business owners?

KARIE ALLEN: Oh yes, absolutely.

IX. IS INSUREON RIGHT-SIZED FOR YOUR BUSINESS

JENNIFER CROMLY: We can be that countrywide resource to where if you have one
location in one state or multiple locations in multiple states, we're going to
have the insurance companies being able to partner with you and provide you
coverage throughout your process of owning your business. Or if you are that
hometown small business owner, we have the right solution for you as well,
because we're a small business agency as well.

JENNY RUNDE: And that's really where I think our technology comes into play and
adds value, because a small business owner does not have time to go to 10
different companies and search for all the different options that are out there,
they don't have that kind of time. That's not their priority. And so that's
where we can do that heavy lifting for them is bring them to our site, put them
through a very simple and customized application that gets them through in
minutes, and gets them quotes so that they can move on with their day and they
can focus on what they should be focusing on, which is growing their business.

Fill out one online application that reaches all our carriers
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TOP BUSINESS INSURANCE POLICIES

No small business is the same, but many companies share the same risks. These
key commercial insurance policies can protect you from common accidents,
lawsuits, and damages. Our expert agents can offer advice based on your unique
needs. Check out some of the top policies we offer.


GENERAL LIABILITY INSURANCE

This policy covers common business risks including bodily injuries, customer
property damage, and advertising injuries. It's required for most commercial
leases.

BEST FOR
 * Slip-and-fall accidents
 * Damaged customer property
 * Libel and slander lawsuits

Get Quotes
Learn More


BUSINESS OWNER'S POLICY

A business owner's policy, or BOP, is a cost-effective way for small business
owners to buy general liability coverage and commercial property insurance
together.

BEST FOR
 * Customer injuries
 * Damaged business property
 * Business interruption incidents

Get Quotes
Learn More


PROFESSIONAL LIABILITY INSURANCE

This policy, also called errors and omissions insurance (E&O), can help cover
legal expenses if a business is sued for a mistake, missed deadline, or other
unsatisfactory work.

BEST FOR
 * Professional negligence lawsuits
 * Project scope disputes
 * Work mistakes or oversights

Get Quotes
Learn More


COMMERCIAL PROPERTY INSURANCE

This policy covers a business’s physical structure and its contents, such as
inventory, equipment, and furniture. It protects against theft, fire, and other
losses and damages.

BEST FOR
 * Fire
 * Theft and vandalism
 * Windstorms

Get Quotes
Learn More


WORKERS' COMPENSATION INSURANCE

Workers’ compensation insurance is required in almost every state for businesses
that have employees. It can cover medical costs for work-related injuries.

BEST FOR
 * Employee medical expenses
 * Disability benefits
 * Lawsuits from employee injuries

Get Quotes
Learn More


CYBER INSURANCE

This policy helps small businesses survive data breaches and cyberattacks. It
can pay for recovery expenses, including the cost of notifying customers
affected by a breach.

BEST FOR
 * Data breach lawsuits
 * Customer notification expenses
 * Fraud monitoring costs

Get Quotes
Learn More


COMMERCIAL AUTO INSURANCE

This policy covers the cost of an accident involving your company vehicle. Most
states require this coverage for vehicles owned by a business.

BEST FOR
 * Auto accident lawsuits
 * Damage caused by your vehicle
 * Vehicle theft and vandalism

Get Quotes
Learn More


COMMERCIAL UMBRELLA INSURANCE

Umbrella insurance provides additional coverage once an underlying policy
reaches its limit. It can boost the coverage of general liability, commercial
auto, and employer's liability insurance.

BEST FOR
 * Personal injury lawsuits
 * Auto accident lawsuits
 * Employee injury lawsuits

Get Quotes
Learn More


ERRORS AND OMISSIONS INSURANCE

E&O insurance helps cover legal costs when a customer sues over a mistake,
oversight, or delay that caused a financial loss. It's also referred to as
professional liability insurance.

BEST FOR
 * Mistakes and oversights
 * Breach of contract
 * Missed deadlines

Get Quotes
Learn More
See More Policies


WHY INSUREON?

We are the #1 online agency for small business insurance and part of Hub
International, the 5th largest insurance broker. We help business owners compare
quotes from top-rated insurance companies, buy policies, and manage coverage
online.
Small businesses served
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Solutions ALL RIGHTS RESERVED (CA License #0L09546)

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The information provided on this website does not constitute insurance advice.
All content and materials are for general informational purposes only. Complete
Insureon's online application and contact one of our licensed insurance
professionals to obtain advice for your specific business insurance needs.