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Sample Quotes

The coverages and limits that follow are for illustration only and are not recommendations. We'll be pleased to provide a free quote for your specific coverage needs.

Independent Contractor / Web Designer

$0 - $150,000 Annual Revenue

This example is based on an individual or small company with up to $150,000 annual revenue, providing programming or Web design services. Premium will vary based on your actual revenue, your state, and the type of services you provide.

Commercial General Liability top
General Liability coverage is the most basic type of commercial insurance and is limited to liability claims of bodily injury or property damage. Coverage is provided for accidents on your premises or at your customer's location.

General Liability and Property Quote:
Coverage Amount -
$1,000,000 General Liability per Occurrence
$2,000,000 General Liability Annual Aggregate
$1,000,000 Personal & Advertising Injury per Occurrence
$2,000,000 Products Completed Operations Aggregate
$300,000 Damage to Rented Premises
$10,000 Medical

Property Coverage:
This coverage protects your business assets in the event of theft, fire, etc. and is included in the quote.
$10,000 Business Property
$50,000 Business Computer & Media *
$5,000 Laptop Computer - World-Wide *
* A package endorsement has been added to provide this coverage for the optimal price/value. To see a summary of all property coverage, including computers and media, see this document.

$500 Property Claim Deductible

$425.00 to $900.00 Typical Annual Premium

Umbrella Liability top
Coverage for claims in excess of your General Liability coverage. This coverage is available only in combination with General Liability.
Umbrella Liability Quote:
Coverage Amount -
$1,000,000 Per Occurrence and Aggregate
$10,000 Retention (Deductible)

$450.00 Typical Annual Premium

Workers' Compensation & Employers' Liability top
Provides the medical and disability coverage amounts required by state regulation.
Workers' Compensation Quote:
Employers Liability -
$1,000,000 Bodily Injury by Accident, Each Accident
$1,000,000 Bodily Injury Disease, Each Employee
$1,000,000 Bodily Injury Disease, Policy Limit

Payroll -
State Class Payroll
IL 8859-02 $140,000
* owner/officer payroll may have been adjusted to state guidelines.

$641.00 to $1,100 Typical Annual Premium (Based on state rates and payroll)

The above Workers Compensation premium is auditable. Following the expiration of the policy term, the insurance company may contact you requesting a report of the actual payroll during the policy period. If your actual payroll amounts are different from the estimate provided on your application, it may result in an additional premium charge or a premium credit. Also it is important to notify the carrier or our agency when employees are hired during the year that reside or will be working for an extended period of time outside of your company's domiciled State.

Professional Liability top
Professional liability coverage protects you against loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.

Professional Liability (Errors and Omissions) Quote:
Coverage Amount -
$1,000,000 Per Occurrence
$1,000,000 Annual Aggregate
$2,500 Deductible

$1,000.00 to $1,500.00 Typical Annual Premium

The Errors and Omissions coverage and premium quoted above does NOT include unauthorized access and malicious code coverage. This may be important if you provide security services for your clients including fire wall and anti-virus application services. The additional premium is typically around 5%.

The Errors and Omissions coverage and premium quoted above does NOT include intellectual property liability coverage. This is sometimes referred to broadly as intellectual property liability and cyber liability coverage and is most often required by software developers, Web Developers, and ASPs, etc. If you would like more information about protection against these risks, please contact us.

Claims Made Notice:
All Errors and Omissions policies quoted are issued on a "Claims Made" basis. This means that coverage is only provided for work that is done while the policy is in force and for claims that are filed while the policy is in force.

Fidelity Bond (Third Party Employee Dishonesty) top
Fidelity Bond (Third Party Employee Dishonesty) provides coverage when an employee steals money, equipment or other assets from one of your clients.

Fidelity Bond Quote:
Total Employees Covered: 1 to 10
Coverage Amount -
$50,000 Deductible

$1,850.00 Typical Annual Premium

Billing Options

In most cases the insurance company will bill you directly for any General Liability, Worker's Compensation, Umbrella, and Fidelity policies purchased. They will invoice you four to six weeks after coverage is started. The Errors and Omissions policy can either be paid in full prior to starting coverage or we can arrange financing through a premium finance company. They require 30% down and typically charge around 15% interest.

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