Frequently Asked Questions
Answers to the questions we hear most from small business owners.
The right insurance depends on your industry, business operations, size, number of employees, and overall risk exposure. While every business has unique needs, many small businesses begin with a Business Owner’s Policy (BOP) and customize their protection with additional coverages based on how they operate.
Business Owner’s Policy (BOP)
A BOP combines several essential coverages into one convenient policy, typically including General Liability and Commercial Property coverage. It’s a popular choice for retail stores, offices, restaurants, professional services, and many other small businesses looking for comprehensive foundational protection.
General Liability
General Liability helps protect your business if a third party claims bodily injury, property damage, or personal and advertising injury resulting from your business operations. It is often considered the foundation of a business insurance program.
Workers’ Compensation
Workers’ Compensation provides benefits for employees who suffer work-related injuries or illnesses, helping cover medical expenses, rehabilitation costs, and lost wages while also helping businesses meet state regulatory requirements where applicable.
Professional Liability (Errors & Omissions)
Professional Liability protects businesses that provide professional advice or services by helping cover claims related to mistakes, negligence, missed deadlines, or failure to deliver professional services as expected.
Commercial Property
Commercial Property insurance helps protect your physical business assets, including buildings, equipment, inventory, furniture, computers, and other business property from covered events such as fire, theft, vandalism, and certain weather-related losses.
Cyber Liability
Cyber Liability helps protect businesses from financial losses associated with cyber incidents, including data breaches, ransomware attacks, unauthorized access, and certain costs related to notifying affected customers and recovering business operations.
Commercial Auto
Cyber Liability helps protect businesses from financial losses associated with cyber incidents, including data breaches, ransomware attacks, unauthorized access, and certain costs related to notifying affected customers and recovering business operations.
Our team works with businesses across a wide variety of industries and can help identify the combination of coverages that best fits your operations, ensuring you receive protection tailored to your business rather than a one-size-fits-all solution.
Option 1 – Current State (Lead Submission)
Getting started is easy. Simply complete our online quote request form with a few details about your business, and one of our licensed insurance professionals will review your information, identify the best coverage options, and contact you with competitive quotes. Most quote requests receive a response from an EPIC broker within one business day (24 hours).
Option 2 – Future State
(Digital Rating Experience *We would update the copy once the rate flow was in place)
Many businesses can receive insurance quotes in just a few minutes through our online rating experience. After answering a few questions about your business, we’ll instantly search participating insurance carriers and display available quote options whenever your business qualifies for automated rating.
If your business requires additional underwriting or isn’t eligible for instant rating, your information will automatically be submitted to one of our licensed insurance brokers, who will review your request and contact you with coverage options and pricing within one business day (24 hours). This ensures every business receives personalized assistance, regardless of complexity.
Yes. As your business changes, your insurance should too. Whether you’ve hired employees, purchased equipment, expanded operations, changed locations, or added vehicles, we can help review your policy and make updates to ensure your coverage continues to meet your needs.
Insurance premiums are based on several factors, including your industry, business operations, location, payroll or revenue, claims history, coverage limits, deductibles, and the specific risks associated with your business. Our goal is to help you find the right balance between comprehensive protection and affordable coverage.
Get in Touch
Thank you for your interest!
We’d love to help your company become EPIC. The more detail you can share, the faster we can connect you to an appropriate member of our sales team.
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Phone: 1-877-334-2637
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