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The Best Web Designers – Freelance Web Designers & Design Agencies #web #designers, #best #web #designers, #web #designer #directory, #hire #web #designers, #web #agencies, #design #agencies, #best #design #agencies, #web #design #companies, #design #companies, #web #design #company, #web #design #agency


Design Agencies Web Designers

Hire the best web designers and design agencies from around the world.

COAX uses the latest technologies to provide the best software engineering solutions that respond to the modern market needs. We deliver high-quality results that are based on your industry-specific expertise and successful methodologies that have already PROVEN to work for MANY projects worldwide.

Hi, my name is Seth Richardson, I m a front end web designer committed to crafting award winning websites. I work with clients that seek modern web design that achieves actionable results. I have worked as a designer since 2011.

Seesaw is an award-winning studio based in Melbourne. North Melbourne, to be precise. We balance the services of a premium communications agency with a passion for the art of design. We’re about good work, good clients and a good studio culture. Ideas and images. Creativity and coffee. We love every part of what we do, and we love sharing it with our clients.

We are Tiny Giant, a misfit creative agency based in Chattanooga, TN. We collaborate with inventors, dreamers, founders, and schemers to build fun and innovative brands and experiences. We can do things á la carte, but we really love diving into fresh projects from the outset. We like to break design rules, but we strictly adhere to our principles. Our only rule of thumb? Make things that are as wholly unique as the people that work with us.

BRAINSTORM DESIGN AGENCY: A CREATIVE DESIGN STUDIO We are a Leeds based graphic design agency specialising in digital design, brand design and all aspects of marketing for business. We create leading design work for our clients across formats such as websites, printed brand collateral, brand identity and much more.

I specialize in art direction, brand design and illustration. Currently living in Portland, Oregon and working as a Production Artist at Nike, an Art Director at illumie and freelancing when something interesting comes along.

Born and bred in Brighton, we re a branding agency helping brands and organisations solve tricky business problems and tell compelling stories. Strong strategic thinking underpins print, digital, film and exhibition design.

About The Best Designs

The Best Designs is a curation of the best of web design and their designers, featured for design excellence. This website receives more than 7 million pageviews each year from visitors all over the world to view the latest design trends, designers to hire or design inspiration. If you are looking for a talented web designer for your project, you can browse through the Web Designers. These freelance web designers and agencies have had at least one design featured here. Or if you want to create your own site, you can view our directory of some of the best WordPress Themes from our trusted theme partners.

Security is important to us. This website uses SSL encryption and is protected by a firewall.

DCAA – Checklist and Tools #goverment, #contracts, #defense, #military, #agency


Checklists Tools

DCAA auditors are required to have adequate contractor proposals/submissions prior to starting an audit. Contracting officers and Contractors can use the links below to access the same checklists that DCAA auditors use to assess adequacy. In addition, contractors can access DCAA s ICE model and EZ Quant applications.

  • Preaward Accounting System Adequacy Checklist : This checklist is used for contractors new to government contracting that have cost reimbursement contracts, or for contractors that are receiving progress payments based on cost. The checklist assesses whether the requirements for an adequate accounting system have been met.
  • Contract Pricing Proposal Adequacy Checklist: This checklist is used for assessing the adequacy of a contract price proposal in accordance with the FAR. The checklist assesses the adequacy of cost or pricing data.
  • Forward Pricing Rate Proposal Adequacy Checklist: Used primarily at large contractors, this checklist assesses the adequacy of direct and indirect forward pricing rates.
  • Incurred Cost Submission Adequacy Checklist: This checklist is used for assessing the adequacy of final direct and indirect incurred costs to ensure compliance with the contractual requirements under FAR.
  • Cost of Money Rates . Rates that Federal agencies are required to use under the Renegotiation Act of 1971 (P.L. 92-41).
  • ICE (Incurred Cost Electronically) Model : The ICE model (the electronic version of Model Incurred Cost Proposal ) assists Contractors in preparing adequate Incurred Cost Proposals.
  • EZ-Quant Applications: EZ-Quant is a suite of three statistical applications for performing statistical sampling, regression analysis, and improvement curve analysis.

Have an audit question?

The audit process can be a complex process for contractors and buying commands. View a list of Frequently asked Questions to find answers to general contract audit questions. Or, contact your local DCAA office using the Office Locator.

LMO – Strategic Marketing Agency in DC & Baltimore, baltimore marketing agency.#Baltimore #marketing #agency


baltimore marketing agency

We are a fully integrated marketing agency that helps companies capture market share, increase demand, launch new products, differentiate themselves, and drive their business into the future.

Baltimore marketing agency

Humanizing a CRM Product Nutshell

Baltimore marketing agency

Rethinking the Podcast Panoply Media

Baltimore marketing agency

Redefining a Category The Maple Guild

Baltimore marketing agency

Recruiting With Focus The Associated General Contractors of America (AGC)

Baltimore marketing agency

Driving Lifetime Memberships Military Officers Association of America

Baltimore marketing agency

Visualizing Data for Architects National Council of Architectural Registration Boards

Baltimore marketing agency

How To: Build Your Email Contact List

Baltimore marketing agency

How To: Content Website Management

Baltimore marketing agency

Effectively Leveraging Podcasts with Great Storytelling

Baltimore marketing agency

Sending Emails That Soar: Your Email Preflight Checklist

Baltimore marketing agency

3 Podcast Marketing Tips to Grow Your Audience

Baltimore marketing agency

Life Insurance Brokers our offices are all over Canada #aspire #insurance #agency


  • Supervisa insurance cost
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  • Super Visa Benefits
  • FAQs Super Visa Insurance
  • Super Visa Application
  • Eligibility for Super Visa Insurance
  • Super Visa Insurance for pre-existing medical condition
  • Supervisa insurance for patients with diabetes
  • Tips Before Buying Super Visa Insurance
  • Mistakes while buying Super Visa Insurance
  • How to complete Super visa application form

  • Insurance for Visitors to Canada
  • Travel Insurance for Canadians
  • Insurance for students

  • Punjab Insurance Toronto Head Office
  • Punjab Insurance – Vancouver, B.C.
  • Punjab Insurance – Abbotsford, B.C.
  • Our office in Ontario for Other Cities
  • Punjab Insurance Ottawa Office
  • Punjab Insurance Alberta – Calgary
  • Punjab Insurance Alberta – Edmonton
  • Punjab Insurance Manitoba – Winnipeg
  • Punjab Insurance Saskatoon
  • Punjab Insurance Regina
  • Contact us Online


Multiple-entry visa into Canada, which is valid for up to ten years, allows applicants to stay in Canada for up to 24 months at a time without renewing their status with our cheap, affordable Super Visa Insurance.


    We are source for your Canadian Critical Illness insurance, Travel Coverage and all other insurance quotes.Our quote comparison brings consumers, who are searching for reasonable coverage rates in Canada.


    Life insurance is a contract that pledges payment of an amount to the person assured (or his nominee) on the happening of the event insured against.

  • Term Life Insurance

    Term Insurance is the low-cost, temporary insurance protection. It is generally used to meet a temporary need (example – mortgage protection) or a need for a large amount of insurance at the lowest possible initial price.

    Mortgage Insurance

    Mortgage Insurance is that insurance in which you can cover your mortgage in the major event of your death. Mortgage life insurance, also known as mortgage insurance or creditor insurance, is offered by most banks and lending institutions.

    Critical Illness Insurance

    Critical Illness Insurance Canada is designed to provide assistance to an insured who has been diagnosed with one of a predetermined number of critical illnesses and in some cases survived 30 days.

    Disability Insurance Canada

    Income Protection, commonly known as Disability Insurance and Loss of Income benefit, provides financial security should an accident occur that prevents you from working and earning a living.

    Drug & Dental Insurance

    Now, you and your family can have access to the Health and Dental protection you need. The Health and Dental Plan is specially designed for those who are not covered by a group plan.

    Super visa Canada

    Super Visa which came into effect in December 2011 and is becoming super popular among landed immigrants and Canadian citizens is a golden opportunity for family reunion. This Super Visa as we are aware is a multiple entry visa which is valid for 10 year allowing parents and grandparents to visit and stay in Canada for up to two years in a stretch without the need to renew it every time.

    Why Punjab Insurance ?

    Find The Best Term Life Insurance

    At Punjab Insurance, find the best term life insurance rates online. Shop and get personalized health insurance premiums for you today. Now when we look at Health Coverage, we are talking about investment figures. So irrespective of how you take it, insurance is something, which at the end of the day, we’d all like to have. Try our Free no obligation quotes to serve you and save your money.

    We want to build Punjab Insurance Inc. a company that will develop excellence in leadership through innovative vision, continuous process improvement program, education, training, and recognition.

    We want to be a leader in insurance investment industry in ethnic communities in Canada, through excellence in customer service and by providing the best possible financial solutions to customers as per their needs requirements.

    Our mission is to be a leader in providing our customers most cost effective and best available insurance investment products through search development with an aim of not only saving them money but also to protect families for a better secure future.

    Punjab Insurance would strive hard to achieve the 3 goals mentioned below

    1. Emerge as transnational Life Insurer of global scale and standard
    2. Create best value for Customers, Shareholders and all Stake holders
    3. Achieve impeccable reputation and credentials through best business practice

    About Punjab Insurance

    At Punjab Insurance, find the best term life insurance and travel insurance rates online. Shop and get personalized health insurance premiums for you today. Now when we look at Health Coverage, we are talking about investment figures. So irrespective of how you take it, insurance is something which at the end of the day, we’d all like to have. Try our Free no obligation quotes to serve you and save your money.

    Our History

    Punjab Insurance Inc. was established in late 2006, as a company that provides protection to all Canadians, with a focus on South Asian Communities. Since its inception the company has grown many folds, providing insurance & investments solutions with the support of its member agents. We started this company, and gradually joined by its management team, which have provided exceptional support in the growth of this company.

    Punjab Insurance is at your services 24 hours for 365 days. We have our offices in different provinces of Canada. If you can’t get in touch through our local number, give us a call on Toll Free number.

    For life insurance or critical illness insurance contact us in Alberta, Ontario, Vancouver, Ottawa, Quebec, Saskatchewan, Manitoba |Brampton | Etobicoke | Mississauga | Toronto | Ottawa | Surrey | Calgary | Edmonton | Winnipeg | Montreal | Hamilton | Halifax | Kitchener | Burnaby

    Punjab Insurance Inc.- Toronto Office

    Latest News

    Importance of Parents and Grandparents in our life

    • Maintaining Ethical Values while selling Super Visa Insurance

    • Necessary Precautions while travelling with Parents and kids in summer

    Business & Commercial – Memphis TN #insurance, #renters #insurance, #auto #insurance, #home #insurance, #car #insurance, #homeowners #insurance, #business #insurance, #commercial #insurance,independent #auto #dealers #insurance #oseman #insurance #agency



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    Keeping Tennessee and Many Other States Secure with Specialized Insurance

    We re an independently owned and operated agency in Memphis, Tennessee and we deliver commercial insurance and risk management solutions. We ve served businesses for over 30 years and we believe in giving clients the best products and services possible. We have experience and knowledge that s developed over 175 combined years of being insurers, and as a result we can create solutions that exactly meet clients needs for the right prices. We provide services that make insurance easy to purchase and to use and we make sure that clients are always informed.

    What We Offer

    We have a wide variety of insurance offerings, including our business program. This program has the coverages necessary to protect virtually any commercial enterprise against risk for the right price. We also have specific-industry programs, which provide coverages that are unique to different lines of work. We offer personal insurance, and in many cases we offer this insurance to our commercial clients. Home . auto . life . and recreational vehicle are among the personal programs we have.

    Tornadoes and other natural disasters are common in our area so tornado and earthquake insurance are popular among clients who insure homes and businesses. For less-common risk-related needs, we have daycare center. auto dealer. addiction center. and school programs. These programs keep organizations of different kinds in our communities secure and running smoothly.

    How We Do Business

    Our philosophy is stay hungry, and it means that we should actively pursue the best solutions for clients at all times. It also means that we should support clients as fully as we can for as long as policies are owned. We do everything in our power to act on our philosophy, including meeting with mortgage and banking officials, providing personal inspections and cost estimates, and helping compile fine arts and jewelry schedules. We also consult with clients in-depth to understand their needs. We identify coverages that meet clients needs and we create solutions that provide the greatest protection for the best price.

    We aggressively manage risk and we help clients avoid having to use their insurance. If clients do use their insurance and claims are filed, we manage the claims. We re fully reachable, which means that clients can get a hold of us whenever they need to. These are just a few things that we do to make the insurance-buying and insurance-using experiences easy and beneficial.

    We d like to tell you more about how we do business and what we offer, so please contact us or give us a call. You can request a quote if you re ready to start on a policy.

    Additional Insurance Information:


    DCAA Audit and Government Contract Consulting- DCAA Compliance #dcaa, #defense #contract #audit #agency, #far, #cas, #dcaa #audit, #government #contracts, #dcaa #compliant #accounting #systems, #government #contract #accounting #systems



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    Because this is what I do

    I am a DCAA/Government contract consultant with 29 years top shelf experience specializing in DCAA, the Federal Acquisition Regulation (FAR) and the Cost Accounting Standards (CAS). I have been serving government contractors since 1986. The scope of my services includes all subjects involving the DCAA, DCAA compliance, DCAA Audit, the FAR and government contracting in general. My expertise encompasses practically any industry including all forms of government contracts. Most of my work involves DoD contracts but I have worked on contracts with practically every civilian government procurement agency. I have also worked on projects involving numerous state and municipal agencies as well. Most common projects I perform include the following subjects:

    • DCAA audits
    • Accounting system and DCAA compliance, government approval of contractor accounting systems
    • DCAA accounting system set up and implementation
    • Compliance and cost recovery assessments
    • Refuting and resolving government actions or inactions including DCAA
    • Indirect rates, forward pricing and incurred cost submissions
    • FAR assessments and interpretations
    • Government contract proposals/GSA schedule proposals
    • Compliant systems, procedures and processes
    • Cost Accounting Standards (CAS)
    • Equitable adjustments, terminations, claims, etc.

    I have expertise in the most notable government contracting accounting systems, such as Deltek GCS and Costpoint. For small businesses I have experience with Quick Books. I have implemented QuickBooks in a manner that is DCAA compliant and have passed objective DCAA audits on numerous occassions. I help make contractor accounting systems compliant, I get them through the audit and I get them approved. I particularly prefer working with small and medium sized businesses helping them win contracts, overcome DCAA requirements and challenges, maximize cost recovery and cash flow. I work with large businesses as well offering an expert resource.

    Our Services

    DCAA/Government Contracting Experience

    My 30 years of government contracting experience includes working as a “decorated” senior auditor for DCAA. It also includes a long tenure as a Manager for KPMG, a large public accounting and consulting firm (aka Peat Marwick) in its government contracting consulting practice. In this role I helped clients resolve DCAA and government contracting challenges. I also worked for many years in management positions for government contractors as a CFO, Controller and Contracts Manager. This experience provides me the expertise to provide comprehensive solutions to government contracting challenges taking into account the government’s regulatory oversight role and the contractor’s objectives. It is impossible to describe these 29 years of accomplishments and experience in DCAA and government contracting in a few paragraphs. So please view the links or contact me for more detail. If you have a government contracting problem, I most likely have a best business practices solution.

    What Clients Have To Say

    I have completed over 325 projects for government contractor clients as of this writing. Below is a sampling of client testimonials.

    On behalf of GW, I want to tell you how much we appreciate your support this year. Engaging you for support was one of the best decisions we made during my tenure with the company. Not only was y Read more

  • I am writing to tell you that our company is currently working with Edward Moore of DCAA Consulting for our government cost submissions and FAR training. We plan to use him going forward, he does a g Read more

  • I’m currently finishing up a $5.2M contract for submission to XXX. we wouldn’t be here without you. thanks again! R.D. Read more

  • Car Insurance In Sacramento, CA- Compare Affordable Quotes #car #insurance #quotes #in #sacramento, #online #insurance #comparison, #insurance #brokers, #vehicle #insurance #agent #in #sacramento, #sacramento, #california #auto #insurance, #on-line #car #insurance #in #california,,, #ktx #insurance #agency



    Women and cars
    There’s a misconception that the car industry is still a boys’ club. This couldn’t be further from the truth, with studies showing that women influence four out of every five car purchases in the U.S. alone – not to mention the $200 billion per year women contribute to automotive services. Read more

    Student Scholarship
    Our “Starving Student” Scholarship Contest ended on April 11th, and Harrison Schmachtenberger won the $1234.56 prize. His essay: The One That Got Away is our winner. Thank you to everyone who participated. Click here to view all entries. Stay tuned for future contests from

    Distracted Drivers:
    Canada vs USA

    Distracted driving is operating a motor vehicle while the driver is simultaneously giving part of his or her attention to something else. Read more

    Top 5 Life Insurance Blunders
    Life insurance is a key ingredient of the financial plan of many families, but people often overlook the details. Read our latest life insurance entry.

    Auto appeal: The vehicles most popular with drivers
    Next time you’re looking for your car in a parking lot take note of how many Honda Civics you come across. What else were considered the top ten most popular car brands .

    About cheaper teen car insurance:
    Is your teenager nearing legal driving age? Are you worried about the looming high cost of insuring a teenage driver? Discover some things you can do to lower the costs, click: Coverage for teen drivers 101

    Driving under the influence?
    Curious about what might happen with your car insurance if you are caught “Driving Under the Influence” (DUI). To find out more, click: DUI and insurance don’t mix

    Your auto insurer and the financial crisis
    Worried about the financial stability of your auto insurer? Will they be able to pay if you have a claim? Find out more:
    Will my insurer be able to pay?

    Smoking and life insurance
    Yes, smokers and ex-smokers (depending on the length of time passed since your last smoke) definitely pay more for life insurance, but cost savings are possible. To find out more, click: Smokers, ex-smokers and life coverage

    Sacramento Auto Insurance Quotes

    Compare car insurance quotes from Sacramento, California and save

    Sacramento, the capital of the state of California, is located in California s expansive Central Valley, right where the Sacramento and American rivers meet. It was first settled as New Helvetia in 1839, where thousands of hopefuls rushed in search of gold, and then became an important trading centre. In 1848 the city was renamed after the Sacramento River. Today, Sacramento s main industries include cattle and poultry, vegetable and fruit farming (due to Sacramento Valley s fertile conditions), and dairy goods. A great percentage of America s food is produced in Sacramento. Other industries and employers include the government, computer and electronics, aerospace, building material, wood products, printing and publishing.

    Famous for the flowers that bloom throughout the year, Sacramento is also nicknamed Camellia Capital of the World . Other nicknames include River City, The Big Tomato, Sactown, the City of Trees and Capital City. It has been touted as one of the most livable cities in The United States, as well as the most racially/ethnically integrated and diverse with little inter-racial discord.

    The weather in Sacramento is beautiful, with hot and dry summers and mild winters, although it can get foggy for an average of 96 days in the year.

    Sacramento has a population of a little over 450,000 residents and has been home to notable people such as actor and president Ronald Reagan, actress Molly Ringwald, and actor, director, and producer Tom Hanks. Sacramento is also known as the center for Dixieland jazz, due to the Sacramento Jazz Jubilee, held each Memorial Day weekend, when thousands of fans from all over the world join in the festivities.

    If you are not traveling using Sacramento s public transportation system, and instead you are driving a car, it may do you good to check on the amount you are paying on your car insurance. Many find, upon closer inspection, that they are paying more than they need to. Try comparing car insurance rates of some of the largest insurance companies and see how you measure up! Visit: for your Sacramento, Califorinia car insurance quotes today!

    If the brokers below cannot help you with your Insurance needs, maybe we can. Please enter your zip code.

    Local Sacramento Insurance Agents

  • Allstate Insurance
    8876 Vintage Park Dr Ste 113
    Sacramento, CA
    PH: (916)-683-5755
  • Brooke Auto Insurance
    2431 Northgate
    Sacramento, CA
    PH: (916)-924-3638
  • Chernow & Lieb
    1601 Response Rd
    Sacramento, CA
    PH: (916)-614-3140
  • Fireman’s Fund Insurance
    2995 Prospect Park Dr
    Sacramento, CA
    PH: (916)-503-1009
  • Golden State West Insurance Services
    1501 El Camino Ave
    Sacramento, CA
    PH: (916)-830-1042
  • Hanson John Insurance
    8126 Gerber Rd
    Sacramento, CA
    PH: (916)-689-5200
  • Huffman Dan Insurance
    5330 Madison Ave
    Sacramento, CA
    PH: (916)-344-2878
  • Massachusetts Mutual Life Insurance
    2495 Natomas Park Dr
    Sacramento, CA
    PH: (916)-614-9924
  • Northwestern Mutual Insurance
    1425 River Park Dr
    Sacramento, CA
    PH: (916)-925-7877
  • Premier Access Insurance
    555 University Ave Ste 182
    Sacramento, CA
    PH: (916)-920-2500
  • Select Producers Insurance
    1540 River Park
    Sacramento, CA
    PH: (916)-922-5416
  • Sequoia Insurance
    4600 Northgate Blvd
    Sacramento, CA
    PH: (916)-925-1779
  • Singh Insurance & Tax Services
    8245 Florin Rd
    Sacramento, CA
    PH: (916)-383-4091
  • Zenith Insurance Co
    1601 Response Rd
    Sacramento, CA
    PH: (916)-614-3140

    Sacramento Weather

  • Kast Insurance, a North Naples Insurance Agency #auto #insurance #naples #fl, #naples #insurance #agency #• #kast #insurance #agency #• #naples #health #insurance #• #naples #homeowners #insurance #• #naples #car #insurance


    Naples Insurance Agency

    Kast Insurance Agency

    Naples Insurance Agent

    It is more important than ever to have an insurance agent who represents you when assessing your insurance options. Kast Insurance has a multitude of markets for Auto, Home and Health Insurance. Our staff has proven, in-depth insurance expertise. Unlike impersonal direct writers, our allegiance Is to our customers. Whether you want someone local to talk to or the convenience of on-line servicing, we can accommodate you. We get most of our business from referrals so it’s important for us to get your coverage and service right.

    We look forward to meeting you!

    Thom Kast – Agency Owner

    Thom Kast – Agency Owner

    It is more important than ever to have an insurance agent who represents you when assessing your insurance options. Kast Insurance has a multitude of markets for Auto, Home and Health Insurance. Our staff has proven, in-depth insurance expertise. Unlike impersonal direct writers, our allegiance Is to our customers. Whether you want someone local to talk to or the convenience of on-line servicing, we can accommodate you. We get most of our business from referrals so it’s important for us to get your coverage and service right. We look forward to meeting you!

    Naples Insurance Agency

    Naples Health Insurance

    Naples Homeowners Insurance

    Naples Auto Insurance

    How Much Does Business Insurance Cost? Average Price #small #business #insurance #agency #inc


    Business Insurance Cost

    How to Reduce Your Business Insurance Rates

    If you’re just opening up shop, you are probably wondering what risks you need to cover with insurance. You will need to cover a range of risks and potential incidents, like accidents, injuries, equipment damage, theft and liability claims. Even if you have a well-established corporation, you may be wondering if the coverage you do have is right for your needs and is fairly priced. Is it possible you can get the same or better coverage elsewhere for less?

    An experienced independent insurance agent can help you assess which of the many types of commercial coverage are appropriate for your business, and can look for all available discounts on your behalf. Contact an agent in the Trusted Choice network who specializes in commercial insurance to get a complete assessment of your needs. Independent agents can not only help you compare business insurance plans and prices, but can also help you get all of your business coverage from one office.

    Business Insurance Nearly Every Company Needs

    The right coverage for your company will be some combination of coverage types, which may be offered separately, but can sometimes be packaged into a business owner’s policy, also known as a BOP, which typically gives you a cost savings as a bundled plan.

    Your Business Insurance Rates Are Unique to Your Company

    Each type of business coverage in your policy will provide an important and specific type of protection. You may need some or all of the recommended coverage types. You may need other types of coverage too, such as errors and omissions insurance (“E and O”), also known as professional liability insurance. Calculating your specific costs depends upon the blend of coverage you need, and how much.

    For example, if you are a sole proprietor, you typically do not need to buy workers comp, so you do not need to calculate that coverage into your costs. As another example, if you transport equipment and business supplies from one location to another, you will need inland marine insurance. You may also need additional liability coverage if the materials your workers transport is hazardous, or if your employees or contractors drive big rigs that can do millions of dollars-worth of damage in an accident.

    If you sell products, you will most likely need product liability insurance. If you have employees who handle money or have access to funds, you may want special protection against business fraud. Your property insurance alone may cost you a quarter of a million a year if you have big risks – such as a professional sports arena. You may pay $500 per year as a small business owner, or over $500,000 per year as a major corporation.

    Every company is unique. The products and services sold, the size of the company and the risks workers face all contribute to business insurance rates.

    Business Liability Insurance Costs

    While there really are no average business liability insurance costs for both small and large businesses, we can consider some sample scenarios.

    1. A sole proprietor might pay $500 per year for general liability insurance, but a small consulting firm is likely to pay over $3,000 per year.
    2. A sole proprietor who hems garments out of a home office has limited liability concerns, but a landscaper may pay upwards of $15,000 annually due to increased risk.

    Costs will vary considerably depending on the specific risks of the business. Professional liability insurance costs are in that same ballpark. Also called errors and omissions insurance, or E O, this type of business liability insurance covers the “human error” risk when you give advice or offer consultation. While this coverage is typically associated with advisors such as accountants and consulting firms, many different types of small businesses carry this coverage to hedge against the risk of a law suit. Average business insurance costs for E O coverage for small firms is typically in the range of $1,000 to $3,000 annually per million dollars of coverage.

    Looking for the Best Business Insurance Rates

    There are many ways to package policies, get discounts. and reduce your business insurance costs. For example, small business owners can often get a combined policy that provides all the basic coverage a small business needs. Known as a “business owner’s policy” or “BOP” this type of packaged policy can make the cost of business insurance very affordable for small a small enterprise.

    Be sure to work with an agent who is experienced and knowledgeable in commercial coverage when seeking business insurance quotes. If you are like many business owners, you have put your life blood into building your company. Working with an agent can help you make the best decisions and balance both your risk management and cost saving strategies.

    How Independent Insurance Agents are Uniquely Able to Help Business Owners

    Independent agents in the Trusted Choice network who specialize in commercial coverage have a unique capability. They can provide quotes for your company from a wide range of insurance carriers, and can help you with every aspect of your business insurance. from product liability to workers comp to commercial vehicle insurance – all out of one office. This means you don’t need to go to a range of insurance companies to get all of your needs met.

    Independent agents in the Trusted Choice network are based out of 27,000 member agency locations across the US, which means there is a local agent right near your business. It also means you can work with a real person who fully understands your state’s regulations and ensure that you are in compliance.

    Getting Business Insurance Estimates for Your Company

    The right coverage for your risks can help with everything from concerns about property damage to the risk of cyber crime. Start by assessing the hazards involved in running your business. A knowledgeable independent agent can help you assess those risks and can provide several business insurance estimates for the appropriate coverage to protect your company.

    Make sure you have adequate coverage to protect your business investment so you’ll be there to serve your customers tomorrow. Find a Trusted Choice member agent today and get the quotes and personal assistance you need to get the right business coverage for your company at an affordable rate.

    End of box

    Arkansas Insurance Department #insurance, #producer, #agent, #adjuster, #agency


    Our Consumer Services Division assists consumers with complaints and inquiries and provides educational information and materials, free of charge. **New** NAIC Life Insurance Policy Locator. The License Division is responsible for licensing and appointment of producers (agents) and business entities (agencies), license renewal and education requirements. Our Senior Health Insurance Information Program (SHIIP) provides free counseling, education, and information to individuals with Medicare of all ages. Visit our Legal Division to view Department Rules, Bulletins and Directives, Court Orders and Orders issued by the Commissioner.

    Arkansas Insurance Department