Frequently Asked Questions About
Commercial General Liability Insurance
How much does small business insurance cost?
Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number. (read more)
What kind of business insurance do I need?
Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.
What is a Certificate of Insurance?
A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it. (read more)
Is business insurance tax deductible?
Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.
Bolt Insurance Agency Reviews
BOLT Insurance Agency Reviews 2019 (Ratings, Complaints & Coverage). BOLT Insurance is a privately held independent agency based out of Farmington, Connecticut. BOLT Insurance is not a single insurance company, but an insurance agency that offers customers quotes from several different partner companies such as The Hartford, CNA, Liberty Mutual and Progressive.
BOLT offers an interactive online experience through these leading carriers, allowing business owners to thoroughly compare coverage and pricing, and ultimately purchase cost-effective insurance within minutes. Small business owners have access to top markets and carriers online, with quotes and support. The Bolt Insurance Agency reviewsare fair.
If you are a business owner looking to buy liability insurance, read Bolt Insurance Agency reviews to learn about Bolt's products.
Check out Bolt Insurance Agency reviews, ratings, complaints & coverage for general liability, workers compensation and other small business insurance commercial policies.
Small Business Coverages Offered By BOLT Insurance
The company initially provided small business owners with risk mitigation services however it has since expanded to offering its products/services to personal customers as well (property/casualty policies). The Bolt Marketplace now offers motorcycle, boat, renter, condominium, flood, and pet insurance. These expanded offerings reflect the experience and diversity of Bolt Insurance and its insurance specialists.
Following are some of the small business offerings from BOLT.
General Liability - This insurance covers businesses in case claim or lawsuits arise from negligence, injuries, or accidents. Covered claims include bodily injury, property damage, personal injury, slander, and false advertisement. Bolt Insurance ratings for GL policies are good.
Professional Liability - This insurance provides defense and damages for failure to or improperly rendering professional services - mainly negligence. Also know as errors and omissions, professional liability insurance is applicable for any professional firm including lawyers, accountants, consultants, notaries, real estate agents, insurance agents, hair salons and technology providers.
Product Liability - Companies that manufacture, wholesale, distribute, and retail products are liable for their safety. This insurance provides protection against financial loss resulting from defective products that cause bodily harm or injury. The level of insurance purchased depends on the products you sell or manufacture. A clothing store would have far less risk than a small appliance store, for example.
Business Auto - This provides coverage for commercial autos. It pays for costs relating to third party bodily injuries or property damages that you are legally liable. The insurance may also pay to replace or repair your business vehicle because of damages resulting from theft, accidents, and other events. Bolt Insurance ratings are fair for commercial auto.
Business Interruption - If a disaster or catastrophic event does occur, a business's operations will likely be interrupted. During this time, your business will suffer from lost income due to your staff's inability to work in the office, manufacture products or make sales calls. This insurance compensates businesses for lost income during these events.
Umbrella - This policy doesn't cover everything as most people think. Rather, it is an extension of the insurance policies that you already purchased. Umbrella insurance adds additional money to your policies thereby extending their coverage. It's mostly used for third party claims to ensure lawsuits put your business out of track.
BOLT has an easy-to-use online and national direct to consumer portal for small commercial insurance quotes and insurance purchase. InsuranceEdge is designed to help small business owners research, review, compare and purchase commercial lines insurance from major carriers including; ACE, Chubb, CNA, The Hartford, and Liberty Mutual. Bolt Insurance Agency reviews are decent for their online portal.
Visitors to the BOLT website get can get real-time, online, comparative business insurance quotes from multiple leading insurance carriers for their business. If you request a small business quote via the internet website or toll free telephone number, your business operates in the USA, and you provide BOLT with valid information - you will get a quote quickly if you fall into a class of business that can be quoted.
Bolt Insurance Customer Support
BOLT claims to offer quality customer service to support customers fully when they need assistance or information. Beyond that, their agents can help you to get special discounts and great coverage plans. Bolt Insurance Agency reviews are average for claims.
Bolt Insurance Agency Pros & Cons
- You can receive quotes from several companies for your insurance.
- The Bolt Insurance website contains several educational resources on small business insurance.
- BOLT features a mobile-friendly marketplace, which offers consumers a better user experience across many devices and screen sizes.
- Limited expertise in the area of commercial lines.
- BOLT is a startup company, so policies and procedures are always changing.
Bolt Ratings Online
Following are some ratings found online which appear mixed:
- BBB.org - The Better Business Bureau rates them 3.68 out of 5 stars.
- indeed.com - indeed rates them 1.5 out of 5 stars.
- Yelp.com - Yelp rates them 3.5 out of 5 stars.
Bolt Insurance's Contact Information
Address: 10 Waterside Drive, Suite 202, Farmington, CT 06032
Bolt Insurance Commercial Insurance Bottom Line
If you need to select insurance solutions tailored to your needs, BOLT is a good choice since it combines good insurance markets in the USA and a great agent community into one online marketplace. You get to search for insurance quotes by specific industry and business type. You can also live chat with a specialist to find policies that match your specific business needs.
More Commercial Insurance Company RatingsSmall Business Insurer Ratings:
- ACE Group
- Applied Underwriters
- Colony Specialty
- Fireman's Fund
- Hartford Steam Boiler
- Jewelers Mutual
- Liberty Mutual
- Markel Insurance
- Merchants Insurance Group
- Ohio Casualty
- Penn-America Group
- Philadelphia Insurance Companies
- State Farm
- The Hartford
- The Main Street America Group
- Utica First
- BB&T Insurance Services
- Brown & Brown
- Burns & Wilcox
- Contractors Edge
- Day Care Insurance Services, Inc.
- Jimcor Agencies
- Risk Placement Services
- USG Insurance Services
- Valley Forge Insurance Brokerage
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Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.