Business insurers of the carolinas reviews

  • Minimum premium of $285 for Individual policy (includes spouse).
  • Minimum premium of $335 for Standard policy (includes ALL employees and independent contractors.) Premium increases based on your annual sales (your "exposure"). Premiums also increase based on the coverage options you choose.
  • $190 for individual policy, plus $90 for EACH additional employee or independent contractor. Premiums increase based on number of employees or independent contractors you hire (your "exposure"). Premiums also increase based on coverage options you choose.
  • Minimum premiums typically start at $500, but vary depending on the carrier. Premiums increase based on the coverage options you choose.

Varies depending on claim, from $0 to $1,000 or more

General Liability
Claims examples:
  1. Dog slipped out of leash, attacked another dog and its owner.
  2. Pet sitter clogged toilet on second floor of home, causing water to overflow, resulting in water damage to the bathroom floor and ceiling.

Each occurrence (any one incident):
$1,000,000
General Aggregate (total amount for one year term):
$2,000,000

Each occurrence (any one incident):
$1,000,000
General Aggregate (total amount for one year term):
$2,000,000

Each occurrence (any one incident):
$300,000 - $2,000,000
General Aggregate (total amount for one year term):
$600,000 - $4,000,000

Personal & Advertising Injury (Defamation or Slander)
Claims example:

Sitter created new pet-sitting company and did not realize there was already a company using that name in the same location. The existing pet sitter sued the new sitter, alleging defamation.

Products/Completed Operations (Failure to Show)
Claims example:

Sitter was scheduled to pet-sit for five days, but failed to write the assignment on her calendar and failed to show up and do the job. As a result, the dogs needed extensive veterinary care.

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