Business Insurance Explained
What to look for in a business insurance plan.
Group Health Insurance
Find out about group health insurance plans.
Workers Compensation Plans
Find out about workers compensation insurance plans.
Learn about what to expect from an insurance audit.
Find out why liability insurance may be needed.
Tips to Lower Premiums
How to lower business insurance premiums.
Stock Redemption or Cross-Purchase
Learn stock redemption and cross purchase business plans.
Business Property Coverage
Answers to questions concerning property insurance.
Advantages of Stock Redemption
Answers to questions concerning stock redemption.
Family Business Insurance
Answers to questions concerning family business insurance.
Credit Card Finder
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Debt Consolidation Finder
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Business Insurance Audits
More often than not, a large majority of commercial insurance is based upon a percentage of your sales and/or payroll for the year that the policy is effective for. Soon after your policy expires, you will be asked to provide a voluntary report from your sales/payroll records, or a field auditor will physically come in and review your bookeeping. Basically, this indicates that the preliminary premium you are quoted is simply an estimate of your actual cost. You may encounter insurance agents who lowball your premium to make it seem that you're getting a deal. Unless you can confirm the actual percentage and payroll or sales figures being used, you may find some time later after the service year that you owe a large additional premium. The insurer and agent have done their part and now it is your turn to pay up. Majority of the time, insurance companies collect these premiums with ease; on the legal side, it is in their favor. On the other side of the spectrum, your actual figures are less than what is used to determine your initial premium. In this case, you should seek a refund.
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