Call Center Insurance

Get My Quote

Or call for your free quote:

Get the best small business insurance quotes online & info on cost, coverage, minimum requirements, certificates & more.

Call Center Insurance Policy Information

Call Center Insurance

Call Center Insurance. A call center is responsible for answering and directing telephone calls for clients. Call centers are extensions of their client's business. Although it may seem simple, there are many risks that come with operating a call center in.

With the many risks involved, it is a good idea to get call center insurance to protect your business.

One of the biggest concerns when running this type of business is ensuring you keep the client's information confidential. If your company leaks confidential information by accident or on purpose, you could be held liable.

Call center insurance protects your company from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

Below are some answers to commonly asked call center insurance questions:


How Much Does Call Center Insurance Cost?

The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small call centers ranges from $47 to $69 per month based on location, size, payroll, sales and experience.

What Type Of Insurance Do Call Centes Need?

Call Center

There are many risks come with a call center that you need to be protected from. Things such as fire, severe weather, theft and other risks are some of the main reasons you need protection. Also, a call center is likely to have a large number of people employed.

If a person is hurt while working at your call center, you could be held liable. This is why it is so important for you to take the time to find the right call center insurance for your business.

Call Center Property Coverage

Business Property Insurance: Having this type of insurance keeps the buildings and their contents that you use covered. Many things can happen to your business like fires, inclement weather, theft, and vandalism which can destroy your business.

If they do happen insurance offers you financial protection. Having business property insurance is suitable to protect your business if your property is destroyed by any of these perils.

Business Interruption Coverage: Help switch the reimbursement of income you lose because of damage to your business. This coverage also provided financial support for ongoing expenses if your company must relocate.

Flood Insurance: Floods are typically not covered in your commercial property insurance policy. Speaking with an insurance agent is one of the ways you can find the protection you need if your business gets damaged by a flood.

Computers and Media Coverage: This call center insurance provides coverage if you lose valuable data about your business. Having this protection is important especially if you use a lot of data utilized for the operating of your business.

The data you use for your business is important and keeping it protected is what this insurance helps with.

Employee Crime and Dishonesty Coverage: There's no way to predict the things an employee might do. That's why it's nice to have this insurance for your business. Having this coverage protects you if an employee steals or commits fraudulent acts in your business.

Call Center Liability Coverage

As a call center, you need protection from lawsuits and other claims made against your business. Getting liability insurance for your business is a way to have the protection you need.

Commercial General Liability Insurance: Is a type of insurance that provides you with coverage for claims made against your business if you cause damage to a third party or their property.

Slip-and-fall claims while customers or vendors are on your premises are common claims. With this insurance, any costs associated with a lawsuit will be covered.

Commercial umbrella insurance: Is excess liability coverage to protect your business when the limits of your regular policy are exhausted.

Workers Compensation: If an employee is injured while working on the job and they need medical attention, then you can be held liable. If you have workers compensation, any costs associated with such an injury are covered.

If the injury results in death then this insurance pays benefits to the surviving family of that person. Workers comp is required for any non-owner or partner employees is most states.

Commercial Insurance And Business Industry Classification

  • SIC CODE: 7389 Business Services, Not Elsewhere Classified
  • NAICS CODE: 561422 Telemarketing Bureaus and Other Contact Centers
  • Suggested Workers Compensation Code(s): 8810

7389: Business Services, Not Elsewhere Classified

Division I: Services | Major Group 73: Business Services | Industry Group 738: Miscellaneous Business Services

7389 Business Services, Not Elsewhere Classified: Establishments primarily engaged in furnishing business services, not elsewhere classified, such as bondspersons, drafting services, lecture bureaus, notaries public, sign painting, speakers' bureaus, water softening services, and auctioneering services, on a commission or fee basis. Auctions of used cars and agricultural commodities, such as livestock and produce, are classified in Wholesale Trade.

  • Agents and brokers for authors and nonperforming artist
  • Apparel pressing service for the trade
  • Appraisers, except real estate appraisers
  • Arbitration and conciliation services
  • Artists' agents and brokers, except performing artists
  • Auctioneering service on a commission or fee basis
  • Authors' agents and brokers
  • Automobile recovery service
  • Automobile repossession service
  • Automobile shows, flower shows, and home shows: promoters of
  • Bartering services for businesses
  • Batik work (handprinting on textiles)
  • Bondspersons
  • Bottle exchanges
  • Bronzing baby shoes
  • Business brokers (buying and selling business enterprises)
  • Charge account service (shopping plates) collection by individual
  • Check validation service
  • Cloth: cutting to length, bolting, or winding for textile distributors
  • Contractors' disbursement control
  • Convention bureaus
  • Convention decorators
  • Copyright protection service
  • Correct time service
  • Cosmetic kits, assembling and packaging
  • Cotton inspection service, not connected with transportation
  • Cotton sampler service
  • Coupon redemption service, except trading stamps
  • Credit card service (collection by individual firms)
  • Decoration service for special events
  • Demonstration service, separate from sale
  • Directories, telephone: distribution on a contract or fee basis
  • Divers, commercial
  • Drafting service, except temporary help
  • Drawback service, customs
  • Drive-a-way automobile service
  • Embroidering of advertising on shirts, etc.
  • Engrossing, e.g., diplomas and resolutions
  • Exhibits, building of: by industrial contractors
  • Field warehousing, not public warehousing
  • Filling pressure containers (aerosol) with hair spray, insecticides, etc.
  • Fire extinguishers, service of
  • Firefighting service, other than forestry or public
  • Flagging service (traffic control)
  • Floats, decoration of
  • Florists' telegraph service
  • Folding and refolding service: textile and apparel
  • Fundraising on a contract or fee basis
  • Gas systems, contract conversion from manufactured to natural gas
  • Handtool designers
  • Handwriting analysis
  • Hosiery pairing on a contract or fee basis
  • Hotel reservation service
  • Identification engraving service
  • Inspection of commodities, not connected with transportation
  • Interior decorating consulting service, except painters and paper
  • Interior designing service, except painters and paper hangers
  • Inventory computing service
  • Labeling bottles, cans, cartons, etc. for the trade: not printing
  • Laminating of photographs (coating photographs with plastics)
  • Lecture bureaus
  • Lettering service
  • Liquidators of merchandise on a contract or fee basis
  • Mannequin decorating service
  • Map drafting service
  • Mapmaking, including aerial
  • Message service, telephone answering except beeper service
  • Metal slitting and shearing on a contract or fee basis
  • Meter readers, remote
  • Microfilm recording and developing service
  • Mounting merchandise on cards on a contract or fee basis
  • Music distribution systems, except coin-operated
  • Notaries public
  • Packaging and labeling service (not packing and crating)
  • Paralegal service
  • Parcel packing service (packaging)
  • Patent brokers
  • Patrol of electric transmission or gas lines
  • Photogrammetric mapping service (not professional engineers)
  • Photographic library service, still
  • Photography brokers
  • Pipeline and power line inspection services
  • Playwrights' brokers
  • Post office contract stations
  • Presorting mail service
  • Press clipping service
  • Printed circuitry graphic layout
  • Process serving service
  • Produce weighing service, not connected with transportation
  • Product sterilization service
  • Promoters of home shows and flower shows
  • Racetrack cleaning, except buildings
  • Radio broadcasting music checkers
  • Radio transcription service
  • Recording studios on a contract or fee basis
  • Redemption of trading stamps
  • Repossession service
  • Restaurant reservation service
  • Rug binding for the trade
  • Safety inspection service, except automotive
  • Salvaging of damaged merchandise, not engaged in sales
  • Sampling of commodities, not connected with transportation
  • Scrap steel cutting on a contract or fee basis
  • Shoe designers
  • Showcard painting
  • Shrinking textiles for tailors and dressmakers
  • Sign painting and lettering shops
  • Solvents recovery service on a contract or fee basis
  • Speakers' bureaus
  • Sponging textiles for tailors and dressmakers
  • Styling of fashions, apparel, furniture, and textiles
  • Styling wigs for the trade
  • Swimming pool cleaning and maintenance
  • Switchboard operation of private branch exchanges
  • Tape slitting for the trade (cutting plastics, leather, etc. into widths)
  • Tax collection agencies: collecting for a city, county, or State
  • Tax title dealers: agencies for city, county, or State
  • Telemarketing (telephone marketing) service on a contract or fee basis
  • Telephone answering, except beeper service
  • Telephone solicitation service on a contract or fee basis
  • Textile designers
  • Textile folding and packing services
  • Time-share condominium exchanges
  • Tobacco sheeting service on a contract or fee basis
  • Tourist information bureaus
  • Trade show arrangement
  • Trading stamp promotion and sale to stores
  • Trading stamp redemption
  • Translation service
  • Water softener service
  • Weighing foods and other commodities not connected with
  • Welcoming service
  • Window trimming service
  • Yacht brokers

Call Center Insurance - The Bottom Line

To keep your business growing you must protect it just like any other investment. If you haven't yet - then it's important for you to take the time and find call center insurance for your business. Doing this can stop your business from being dissolved if it is ever sued.

Speaking with an experienced insurance agent is one of the best steps you can take on the path to finding the right insurance for you. You can never predict what will happen in life, but you can be prepared when you have insurance.

Types Of Small Business Insurance - Requirements & Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. If you've got a business, you've got risks. Unexpected events and lawsuits can wipe out a business quickly, wasting all the time and money you've invested.

Operating a business is challenging enough without having to worry about suffering a significant financial loss due to unforeseen and unplanned circumstances. Small business insurance can protect your company from some of the more common losses experienced by business owners, such as property damage, business interruption, theft, liability, and employee injury.

Purchasing the appropriate commercial insurance coverage can make the difference between going out of business after a loss or recovering with minimal business interruption and financial impairment to your company's operations.

Small Business Information

Insurance is so important to proper business function that both federal governments and state governments require companies to carry certain types. Thus, being properly insured also helps you protect your company by protecting it from government fines and penalties.

Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage.

Types Of Small Business Insurance

Choosing the right type of coverage is absolutely vital. You've got plenty of options. Some you'll need. Some you won't. You should know what's available. Once you look over your options you'll need to conduct a thorough risk assessment. As you evaluate each type of insurance, ask yourself:

  • What type of business am I running?
  • What are common risks associated with this industry?
  • Does this type of insurance cover a situation that could feasibly arise during the normal course of doing business?
  • Does my state require me to carry this type of insurance?
  • Does my lender or do any of my investors require me to carry this type of policy?

A licensed insurance agent or broker in your state can help you determine what kinds of coverages are prudent for your business types. If you find one licensed to sell multiple policies from multiple companies (independent agents) that person can often help you get the best insurance rates, too. Following is some information on some of the most common small business insurance policies:

Business Insurance Policy Type What Is Covered?
General Liability InsuranceWhat is covered under commercial general liability insurance? It steps in to pay claims when you lose a lawsuit with an injured customer, employee, or vendor. The injury could be physical, or it could be a financial loss based on advertising practices.
Workers Compensation InsuranceWhat is covered under workers compensation insurance? This type of insurance protects a business and its owner(s) from claims by employees who suffer a work-related injury, illness or disease. Workers comp typically provides the injured employee with benefits to cover medical expenses, a portion of his/her lost wages, rehabilitation costs if applicable, and permanent partial or permanent total disability.
Product Liability InsuranceWhat is covered under product liability insurance? I pays an injured party's settlement or lawsuit claim arising from a defective product. These are usually caused by design defects, manufacturing defects, or a failure to provide adequate warning or instructions as to how to safely use the product.
Commercial Property InsuranceWhat is covered under business property insurance? General liability policies don't cover damages to your business property. That's what commercial property insurance is for. It protects all of the physical parts of your business: your building, your inventory, and your equipment, giving you the funds you need to replace them in the event of a disaster. If you work from home, you might consider a Home Based Business Insurance policy instead.
Business Owners Policy (BOP)What is covered under a business owners policy (BOP)? This is a policy designed for small, low-risk businesses. It simplifies the basic insurance purchase process by combining general liability policies with business income and commercial property insurance.
Commercial Auto InsuranceWhat is covered under business auto insurance? This type of insurance covers automobiles being used for business purposes. This could include a fleet of business-only vehicles or a single company car. In some cases it might cover your car or your employee's car while they're being used for business. These policies have much higher limits, ensuring you can cover your costs if one of these vehicles gets into an accident.
Commercial Umbrella PoliciesWhat is covered under commercial umbrella insurance? This type of policy is a sort of "gap" insurance. It covers your liability in the event that a court verdict or settlement exceeds your general liability policy limits.
Liquor Liability InsuranceWhat is covered under liquor liability insurance? It covers bodily injury or property damage caused by an intoxicated person who was served liquor by the policy holder.
Professional Liability (Errors & Omissions)What is covered under professional liability insurance? This type of business insurance is also known as malpractice oe E&O. It covers the damages that can arise from major mistakes, especially in high-stakes professions where mistakes can be devastating.
Surety BondWhat is covered under surety bonds? Bonding is a contract where one party, the SURETY (who assures the obligee that the principal can perform the task), guarantees the performance of certain obligations of a second party, the PRINCIPAL (the contractor or business who will perform the contractual obligation), to a third party, the OBLIGEE (the project owner who is the recipient of an obligation).


Who Needs General Liability Insurance? - Virtually every business. A single lawsuit or settlement could bankrupt your business five times over. You might also need this policy to win business. Many companies and government agencies won't do business with your company until you can produce proof that you've obtained one of these policies.

Business Insurance Required by Law
Small Business Commercial Insurance

If you have any employees most states will require you to carry worker's compensation and unemployment insurance. Some states require you to insure yourself even if you are the only employee working in the business.

Your insurance agent can help you check applicable state laws so you can bring your business into compliance.

Other Types Of Small Business Insurance

There are dozens of other, more specialized forms of small business insurance capable of covering specific problems and risks. These forms of insurance include:

  • Business Interruption Insurance
  • Commercial Flood Insurance
  • Contractor's Insurance
  • Cyber Liability
  • Data Breach
  • Directors and Officers
  • Employment Practices Liability
  • Environmental or Pollution Liability
  • Management Liability
  • Sexual Misconduct Liability

Whether you need any or all of these policies will depend on the results of your risk assessment. For example, you probably don't need an environmental or pollution policy if you're running an IT company out of a leased office, but you would need data breach and cyber liability policies to fully protect your business.

Also learn about small business insurance requirements for general liability, business property, commercial auto & workers compensation including small business commercial insurance costs. Call us (855) 767-7828.

Additional Resources For Advertising, Marketing & Media Insurance

Learn about small business media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Advertising, Marketing And Media Insurance

Media operations are fast-paced businesses with unique property and liability insurance exposures. They depend more and more on computer systems and up-to-date software programs. These businesses usually have extensive contracts with both freelance individuals and corporations.

In addition, personal injury liability and confidentiality issues must be addressed. Insurance coverage for these concerns must be as comprehensive, flexible and responsive as the organization seeking it.

Advertising and Media Liability Insurance provisions are not standardized, so it is critical to carefully review a particular form's basic features and available coverage options. While some carriers offer coverage on an open perils basis, most will provide coverage only on a named perils basis.

The named perils generally include coverage against allegations involving defamation, disparagement of an individual's reputation, product disparagement, invasion or infringement of the right of privacy, infliction of emotional distress, plagiarism, piracy, infringement of copyright, trademark, or other intellectual property, newsgathering torts such as trespass and assault, unfair competition with respect to other covered communication perils, and errors and omissions.

Coverage can be written on a claims-made basis or on occurrence-based forms. The occurrence basis affords additional protection to the insured as coverage is provided for a claim or event occurring during the policy period, even if the coverage expires or is cancelled or nonrenewed.

Most media liability policies provide a Limit of Liability per event, plus an Aggregate Limit of Liability for all events covered during the policy term. Some carriers now offer coverage without requiring an Aggregate Limit of Liability. Such a policy is an advantage to the insured as this eliminates the fear that the policy limits will run out before the policy expires.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Bailees' Customers, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Professional and Advertising Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Computer Fraud, Forgery, Special Floater, Cyber Liability, Employment-related Practices Liability, Business Automobile Liability and Physical Damage, Foreign Automobile Liability and Physical Damage, Foreign Workers Compensation, Repatriation Expense and Stop Gap Liability.


Free Business Insurance Quote Click Here