As a small business owner, you care about your employees’ success, as well as their wellbeing and their safety in the workplace. With that said, even the most conscientious employers have to face the fact that mishaps can and will occur even in the safest of workplaces. Accidents are inevitable in any workplace. So, it’s crucial that you have sufficient workers’ compensation coverage that will protect both your business and your employees. As important as workers’ compensation coverage is, it can feel like a burdensome expense. And yes, it can be expensive. Luckily there are ways to save money on your premiums so, you can have peace of mind while sticking to your small business’s budget.
Calculating Workers’ Compensation Premiums
The amount you’ll pay for worker’s compensation insurance is calculated using a simple formula. The premiums for workers’ compensation insurance are calculated per $100 of your company’s payroll. That means that your rate will go up as you hire more people.
In addition, the nature of your business, and the type of employees you have, will play a major role in establishing your premium. When purchasing workers’ comp, you’ll have to give each employee a class code, based on the risks of their job. Each state provides the class codes for different types of employees. For example, a warehouse supervisor and an administrative worker will have different codes. So, there will be a big difference between the rate at a factory and the rate at a beauty supply store. In order to ensure that your business is charged a fair and reasonable rate, it is crucial that your employees are classified correctly.
Your final price will be adjusted based on a number of factors, including “modifiers.” The modifier will be based on your claim’s history. Your insurance company will go over your claims history and assign you a modifier. The typical modifier rating is between .75 and 1.25. Modifiers of 1.0 or less are possible if your business has a documented history of successfully lowering workers’ exposure to injury risk. If there have been numerous incidents at your workplace, your modifier will be higher than 1.0. If you can get your modifier for workers’ compensation insurance down to 1.0 or lower, your premiums will go down.
9 Ways to Cut Workers’ Compensation Costs
The following are some simple things that you can do right now to cut down on your workers’ compensation costs:
Choose the Right Workers’ Compensation Policy
It is essential to do some comparison shopping in order to find the best workers’ compensation insurance policies. In the same way it is when choosing the best auto or health insurance policy for yourself. If you live in a state that has a competitive market, which the vast majority of states do, it is in your best interest to speak with multiple insurance companies about the premiums they are willing to offer you and your business.
Once you have a policy in place, you should continue to shop around at least once every few years, since insurance companies will periodically change their prices in an effort to woo customers away from their competitors. Unfortunately, if you live in a state that does not have a competitive market, you won’t have the option to shop around. But there are still other steps you can take to lower your premiums.
Follow Claims Management Best Practices
Perhaps the single most important thing you can do to keep your workers’ comp costs under control is to make sure you’re handling claims with best practices for claims management. “Best practices” include simple tasks like keeping in touch with the employee and possibly medical personnel. This can mean staying on top of any possible issues that may pop up, such as coverage not kicking in on time or money not coming through.
If you need help, an adjuster can make the process go smoothly and save you money by doing things like making sure all paperwork is filed on time, verifying coverage, and keeping a daily diary of all work completed on the claim. This may cut the payout amount by as much as half.
Create Strong Safety Protocols
Creating a safe workplace environment can do wonders for employee morale. As well as help save money on workers’ compensation claims. It’s less difficult than you might think to establish a culture of safety. In fact, you’re probably already doing some of this work already.
First, make sure your staff has access to the tools and information they need to stay safe on the job.
If you don’t do so already, schedule periodic safety inspections.
Use daily safety checks to constantly remind workers to be cautious whenever they are at work.
Plan weekly and/or monthly in-depth inspections.
Putting an emphasis on safety will not only reduce accidents and injuries among workers and help lower your workers’ compensation premiums but will also demonstrate your concern for their well-being.
Know What to Do in Case of Injury
Having a strategy ready in the event of a workplace injury is an important part of fostering a culture of safety. Managers, co-workers, and the claims adjuster would all have immediate tasks to perform in this scenario. For this to go smoothly, each person involved needs to know what they are responsible for.
Having a plan in place gives workers the opportunity to make choices that lessen the severity of injuries on the job. In the event of an accident, they will feel more at ease knowing that everyone around them is prepared to help.
Offer New Hire Incentives
Incentive programs are a great way to motivate employees, especially new hires, to follow the safety procedures in place. You can offer more experienced workers incentives to teach newer workers about your business’s safety culture.
Utilize Return-To-Work Programs
Workers’ compensation costs tend to be lower for businesses that utilize return-to-work programs. These programs encourage injured workers to return to some sort of duties as soon as possible. Doing so will help with the indirect costs of an employee’s injury such as:
Overtime pay for workers who do the injured person’s duties,
Compensation to cover a decrease in productivity,
The cost of hiring and training new workers.
The time that managers or supervisors have to take away from their administrative duties to help out.
With all that said, the sooner an injured worker returns to work and starts making money again, the less you will have to pay. So consider implementing some sort of return-to-work program.
Look for Workers’ Compensation Discounts
Find out if your state offers workers’ compensation discounts to businesses that implement safety programs. For instance, some states reward businesses that promote drug-free workplaces with tax breaks. Since workers who use drugs while on the job are more likely to get injured. So, showing that you promote a drug-free environment by doing things like requiring regular drug testing for employees can get you a tax break for being proactive.
As noted above, not only will different companies have varying overall workers’ compensation rates. But the costs associated with various categories of workers will also vary. A sheet metal worker, for instance, will have a different classification code than a bookkeeper. Who spends little time in the factory. This means that it’s extremely important to verify that each worker has been assigned the appropriate classification. You can save a lot of money by following this one piece of advice.
Check for Workers’ Compensation Safety Rewards
It is possible that the number of accidents that take place at work will decrease after you begin putting some of these ideas into action. Check with your insurance company to see if they will reduce your premiums in recognition of the fact that your business has been safer for the past year. These kinds of safety rewards are typically distributed after a period of one year during which there were fewer claims filed. These rewards are not guaranteed. So, it is important to check with your insurer to determine whether or not safety rewards are currently being offered.
Get Workers’ Compensation With EZ
Most businesses are required by law to carry workers’ compensation insurance. Doing so will not only protect your business but will also protect your employees. Keeping your employees safe, though, does not have to be a financial burden on your business. There are a lot of different ways to encourage safety routines and programs, all of which will help you cut down on the amount of money you have to spend on workers’ compensation. Your employees will be able to return to work as soon as they are medically cleared to do so if the best practices for claims management are implemented and adhered to in a timely manner. Not only will production return to normal, but also the costs associated with workers’ compensation will decrease.
If you’re looking for the best workers’ comp policy, come to EZ for free instant quotes from one of our licensed agents. And, if you already have workers comp benefits but would like to shop around, we can help you look for a better deal. Your EZ agent will be well-versed in the regulations in your area. They will be able to advise you as you shop around for the best policy at the most affordable price. To get started, simply enter your zip code in the box above. Or give us a call at (855) 694-0047 to speak with one of our licensed agents. Also be sure to check out our blog for more resources focused on helping business owner save money and stay protected.
You’re not starting any ordinary small business. You’re building a startup. Your goal is to grow and, in order to do this, you not only need a solid business plan, but also protection for everything that you’re building. Startups are inherently risky, so it is extremely important that you get the right commercial insurance coverage.
Insurance for the First Stages
If you’re in the first, or seed, stage of building your startup you are probably excited – and nervous about everything that’s to come. Maybe you’re not thinking about insurance, or think that it’s something that can wait until you’re further along in the process. Nothing could be further from the truth.
Startups are all about investment, and you need to think of commercial insurance as another investment to grow your business. Without it, you won’t be able to attract the best employees or convince investors that you are serious about your venture and are planning ahead for the long run. Even before you have customers, you should have the following policies:
General Liability – something that all businesses should have, this type of insurance protects you against lawsuits claiming bodily injury or property damage. But did you know it also provides coverage for personal and advertising injury like libel or slander?
Commercial Property – if you’ve got office space, then you need this type of policy to protect everything in it from risks such as fire or theft. There are commercial insurance packages available that will bundle liability and property coverage.
Workers Comp– if your startup has or plans on having employees, be aware that this type of coverage is required by individual states. It covers medical expenses and lost wages for an employee who is injured at work.
Tech E&O vs Cyber Liability
Once you’re past that first stage of getting your initial funding, setting up your space, and hiring your employees, it’s time to start thinking about what happens once you are up and running. Now you have customers, and a whole new set of risks.
The above type of insurance policies apply to all businesses, but you may need some specialized coverage for your startup. If you’re dealing with any kind of tech, as many startups do, there are two types of policies you should look into: tech errors & omissions (E&O) and cyber liability insurance. They may sound similar, but they cover different things.
Tech E&O – If you’re a business selling a physical product, then you need product liability in case a product fails. If you’re a firm offering financial or legal advice, then you need errors & omissions to protect yourself against claims of financial damage. If you’re a tech startup, then you need tech E&O. This type of coverage protects your company in the event that one of your tech-based products fails. If you are developing or licensing software, it is important to note that the insurance industry considers software a service and not a product. Because of this, you will need tech E&O, and not the same type of product liability coverage that might be sufficient for other businesses.
Cyber Liability – There is one very important thing that that tech E&O doesn’t cover: third-party data breaches. 43% of all cyber attacks happen to small businesses. With all the risks of cyber crime today, this type of insurance is essential if you store any kind of customer data.
While tech E&O covers the failure of software, cyber liability covers the loss of private third-party information. Depending on your startup, you may need both to be fully covered.
As You Grow
If your startup is taking off, congratulations! You’re growing, and are probably looking for more investment and taking on a board of directors. In this case, you’ll need another specialized type of coverage: Directors & Officers insurance.
This type of insurance covers both your business and your management, including their personal assets. It covers:
Theft of trade secrets
Misrepresentation, in the case that investors feel they were given misleading information, leading to loss
Wrongful acts, covering anything that managers do in their professional capacity that stakeholders deem “wrongful,” and that results in a loss
Having D&O is important for attracting investors, who will feel more confident placing their trust (and money!) with you if you have comprehensive coverage. Your board members/managers will also feel confident making decisions without risk of personal liability.
Startups are unique among small businesses. They’re riskier, but they have more potential for growth. If you’re one of the few who have the vision and the drive, make sure that you protect everything you’re building. And remember, EZ.Insure is here to help you sort out your commercial insurance needs. We’re unique, too! We want your startup to succeed and will work with you to keep you covered. Our services are always free and nobody will ever hound you with endless calls. You have enough to worry about! To get started simply enter your zip code in the bar above, or you can speak to an agent by calling (855) 694-0047.
If your business is run out of an office, a shop, or any other physical location, then you already have property insurance to protect yourself against the unexpected, right? Fire or theft are very real threats and you would never want to leave your business exposed. But what about the business assets you can’t see: your ideas? If you have patents, trademarks, copyrighted designs, or trade secrets that you want to protect, then you should look into getting intellectual property (IP) insurance. This type of policy can also protect you from an unexpected and very expensive lawsuit.
What Is Intellectual Property?
Copyright protects “original works of authorship,” usually things like writing, music, art, or even software.
Simply put, intellectual property is any work of your own invention or creativity that you own the rights to. Unfortunately, you can’t simply jot something down and claim ownership of it. Your idea usually needs to fall under one of these four legally protected categories:
Patent – used to protect inventive ideas and processes
Copyright – protects “original works of authorship,” usually things like writing, music, art, or even software
Trademark – protects words, phrases, symbols, sounds, even smells and color schemes
Trade Secret – defined as “proprietary procedures, systems, devices, formulas, strategies or other information that is confidential and exclusive to the company using them.” This classification is less formal: the only way to protect trade secrets is to actually treat them like secrets.
What Are the Types of IP Insurance and Why Have Them?
There are two main types of IP insurance, and they each protect your business against different threats or risks:
Enforcement Insurance – some of the most valuable property you have is your own ideas, and you should protect them like a shop owner would protect their stock. In fact, it is estimated that your company’s intellectual property is 80% of its value. If another company steals some of your valuable ideas, this type of coverage will help you fight them with a lawsuit.
Defense Insurance – you should also remember that other companies want to protect their ideas, and they very well may have trademarked, copyrighted, or patented them. They will fight you if they feel you have used any of their intellectual property without permission. This type of policy will help you in case you are faced with a very expensive infringement lawsuit. According to the International Risk Management Institute (IRMI): “The cost of IP litigation can be astronomical, and continues to increase each year. In certain cases, the high stakes of IP litigation can pose a very real threat to the company itself.” When you consider that the cost of an intellectual property lawsuit can run from around $650,000 to more than $5 million, it seems like a good idea to have the peace of mind IP insurance can give you.
If you are interested in protecting your business against both types of risk, there is also a third type of policy, a defense and enforcement policy, which would provide both types of coverage.
Are There Limits to IP Insurance?
As with any type of insurance policy, you will need to find out how much coverage you will get. Some IP insurance carriers will only cover legal fees up to a certain amount. Some policies will only cover you in certain geographical areas.
In addition, if you have an enforcement policy, you will need to be very specific about the patents, copyrights, trademarks, or trade secrets you want to cover. These policies are not blanket insurance for the contents of your head, but will need to have every protected idea you want covered listed. If your intellectual property changes, your policy will also need to change.
If your business is all about ideas, inventiveness or creativity, or if you feel like you’ve got the secrets to success in your field, you may be selling yourself short if you don’t have IP insurance. Also, if you think that your general liability insurance will cover intellectual property infringement because it includes coverage for “personal and advertising injury,” you could find yourself with a very expensive mistake on your hands: these policies only cover infringement if it’s part of your advertising materials. In order to protect both your ideas and your business itself, intellectual property insurance may be the way to go.
Shopping for insurance for a small business can be difficult and time consuming, especially for new businesses. Your business insurance needs and risks vary a lot more than individual insurance does. Running a business can feel like walking through a trap, where every step could be a mistake. It’s easy to spend too much on some things and forget about important responsibilities. If you own or run a business, you need to make sure you have the right kind of insurance. But there are a lot of plans to choose from, and it can be hard to know what you need. Many business owners make decisions about business insurance too quickly, which leads to problems in the long run. Cutting corners in an attempt to save time and money can actually backfire and cost you more money and time than you bargained for. When you’re shopping for business insurance, avoid these common mistakes.
Shopping By Price
When running a business, it’s important to save money. But picking a cheap insurance policy can end up costing you more in the long run. If you buy business insurance based on how cheap the monthly premiums are, you might not get the coverage you need to cover a claim. And it’s not just for premiums, going for the lowest deductibles has the same consequences. When comparing policies, it can be very helpful to find a nearby independent insurance agent like EZ. An independent agent can get several quotes and give expert information about what is needed in the area. So, talk to your independent insurance agent about how your business is different and ask for a list of plans that fit your needs the best.
Not Reading Over The Policy
Your policy holds important information about your coverage limits, deductibles, and exclusions. The document is most likely long and filled with legal jargon so it may seem tedious to take the time to read all of it, but skimming the policy could lead to a nasty surprise when you try to file a claim later. Before you buy the policy, you should take the time to read and understand the limits and benefits. This way you can ask any questions you may have. Additionally, knowing what kinds of losses aren’t covered lets you know what supplemental coverage you may also need to get to make sure your business is fully protected.
Not Protecting Your Income
When they buy insurance, some business owners put more value on their physical goods than on their profits. Even though disasters like fires and hurricanes cause companies to lose their physical assets, they may also lose money because of the downtime. Depending on your insurance and how your business works, it can be very hard to get back on your feet after a disaster and the downtime that follows. To keep your business from losing a lot of money while you make fixes or move, you must also make up for the lost income. Talk to your agent about income coverage and how to add it to your policy as you protect your business against natural disasters or theft. This insurance will pay you back for any income you lose if you have to close your business because of a disaster.
Not Changing Insurance Providers
Having a dependable insurance company is great, but many people stick with the same company solely because it’s the one they’ve always used. But insurance companies change over time, and if yours begins to change in ways that don’t benefit you and your growing needs then you need to change. Answering a few simple questions can help you figure out if your current company is meeting your business’s needs.
Have my premiums gone up without coverage improving?
Are the services outdated?
Is your insurance company not focused on your specific industry?
If you said yes to any of these questions, you might want to look for a different company that can better meet your needs.
Buying Insurance That Doesn’t Meet Your Needs
Every business is different, and if you choose just a standard insurance to meet insurance requirements, you might not have the right coverage. There’s more to business insurance than just the amount of coverage you have. Your insurance needs to cover the specific risks your industry or clients have. No amount of coverage will help if your policy doesn’t cover the claim you are filing. Talk to your agent about the services you offer and the customers and vendors who rely on you before you buy a policy. Your independent insurance provider can help you find the best business insurance policy for your needs.
Not Adjusting Your Insurance As Your Business Grows
Your business insurance protects your business. So, you shouldn’t just buy your insurance and never think about it again. Your business’s value will most likely be much higher in five years than it is today, and your insurance should reflect that.
Talk to your agent about any changes in your business such as increased revenue, opening new storefronts, buying work vehicles. Then be ready to make the necessary changes to your policy. That way you never have a claim that won’t be covered.
Forgetting About Workers’ Compensation Insurance
Almost every state has some laws requiring workers compensation insurance after you have a certain number of employees, some states require it for even one employee. Your workers are important to your business, and making sure they are safe is a big part of your success. You can also get coverage for companies and workers on a lease. If your workers get hurt on the job and you don’t have Workers’ Compensation, you could get in trouble. Not only will you be responsible for the employee’s medical bills and lost wages, you can also face fines and even jail time for not having workers’ compensation insurance. Not to mention leaving your company vulnerable to lawsuits from the injured employee and their family.
Not Insuring Your Data
The internet runs the world these days, and businesses are no exception. At least some part of your business is likely to require the internet to run properly. That can be anything from your payroll, to client information, to order forms, to contracts. If you use the internet for any part of your business you need cyber liability insurance. This insurance protects your business in the event a hacker gets into your system. Hackers will hold your information hostage for ransom or infect your files. This can lead to lawsuits and losing your business entirely. Having cyber liability will cover any damages and protect you from these hackers.
Being Reactive Instead of Proactive
When bad things happen, insurance helps a lot of small business people. The insurance is bought, thrown in a drawer, and only looked at when a claim needs to be made. This kind of thinking can be more expensive and ignores the valuable risk management tips that can be found when shopping for insurance. Don’t let luck get the best of you. Protect your business and your pocket by learning how to avoid the risks your business faces and keep costs down. Your insurance agent and insurance company should be able to help, whether it’s coming up with safety processes, setting up security measures, or installing a fire sprinkler system. If you take a few precautions, disaster won’t stop your business, and you might even get a discount on your premiums.
Misclassifying Your Employees
Our insurance experts can point out any mistakes you might be making with how you classify your employees that could cause your insurance rates to go up. For example, if you mistakenly label an employee’s job as dangerous, you might be paying too much for insurance because of it. In the same way, if you mistakenly classify a freelancer as an employee, you may spend too much on Workers’ Compensation Insurance for that person.
Buying Too Much Coverage
You don’t want to pay too much for insurance you don’t need. You don’t need to cover your home for $2 million if it would only cost you $500,000 to rebuild it from scratch. This is where a reliable insurance agent comes in handy. They can help you choose the right types of policies, amounts of coverage, and deductibles for your business. They can also tell you where you have double coverage and can save money by cutting a certain policy back.
Working With EZ
EZ can help whether you need group health insurance for your workers or commercial insurance to protect your business. Our agents work with the best insurance companies in the country to make sure you and your workers get the best insurance. In fact, we can find you the best coverage for your budget and save you hundreds of dollars a year. Call us at 877-670-3531 for help with group health insurance or 877-670-3538 for help with business insurance plans. Or enter your zip code into the bar below.
No matter what kind of business you run, cybercrime is always a threat. But there are some very scary statistics surrounding cybercrime attacks in regards to small businesses: according to the 2018 Verizon Data Breach Investigations Report, 58% of cyber attack victims were small businesses. Not only that, but studies show that 60% of small businesses who needed to suspend operations after a cyberattack were never able to reopen.
You may be thinking that cyber security isn’t top of your list of priorities right now, but you could be making a very costly mistake. The recent focus on keeping businesses running while also keeping employees safe has actually meant a rise in cyber crime.
Working from Home
Nearly 35% of people who were working pre-COVID19 were working from home by April.
Face masks, social distancing, toilet paper shortages, everyone has felt the effects of the recent pandemic. One of the biggest changes to many people’s lives has been the switch from working in an office environment to working from home. In fact, according to an MIT study from early April, nearly 35% of people who were working pre-COVID19 were working from home by April. Add that to the roughly 15% of people who were already working from home and you have, by some estimates, close to 50% of the workforce working from home.
Time will tell whether working from home is here to stay, or whether we will all eventually head back to the office. While there are many who are skeptical that we will become a fully work-from-home economy, there are many who believe that the way we work is forever changed. According to Patricia Strach, interim executive director at the Rockefeller Institute, “this forced work-from-home experience is showing us that work-from-home arrangements are a viable strategy for many businesses and that this is likely to be true even after the crisis is over.”
The Risks
While there are many advantages to working from home, there are also drawbacks. One major disadvantage is that more employees working from home seems to equal a big rise in cyberattacks. One type of attack that is on the rise seems to be directly related to the recent pandemic: phishing expeditions. Businesses have reported receiving a huge amount of phishing emails, which are used to implant malware in a computer that can give hackers an opportunity to demand a ransom or steal data. The phishing links that employees most often clicked on were ones that claimed to be information about the coronavirus. Cybercriminals have been taking advantage of people’s hunger for information on the virus to gain access to business’ data. According to Marc Rogers, head of security at the long-running hacking conference Def Con and a vice president at security company Okta Inc., “I’ve never seen this volume of phishing. I am literally seeing phishing messages in every language known to man.”
So many employees logging in from so many locations also poses a big problem. Without a strong virtual private network (VPN), or if employees are using public networks, then every time someone logs on they are exposing data to hackers.
Workers are also more likely to click on links or visit websites they wouldn’t normally visit in the office. Not only that, they are all downloading legitimate software like Zoom for meetings – and each time they do so, a cybercriminal has a chance to hack into a company’s computer systems and steal data and passwords. According to Darren McGraw, president of Mechelsen Private Client, “all of a sudden, [so] many employees are scattering and connecting from different directions. So this creates a great deal of opportunity for cyber criminals to jump in where maybe the business hasn’t had a chance to control.
Protecting Your Business
“Firms that will do the best if they’re hit with a cyber attack are the firms that have a robust cybersecurity plan in place.”
It is unfortunate that there are people out there who will take advantage of a crisis to try and make a quick (and illegal!) buck. But it is something that you and your business need to be prepared for. The first line of defense, is, of course, prevention. According to Lisa Lindsay, executive director of Private Risk Management Association, “Firms that will do the best if they’re hit with a cyber attack are the firms that have a robust cybersecurity plan in place that is continually vetted, reviewed and practiced so that employees know the standard operating procedure. If they believe that a breach has occurred or that they may have been infected, they know exactly who to call and what to do in a timely fashion.” In other words, be prepared.
But, as we have seen, unusual times such as we’ve experienced recently often mean that criminals will change their tactics or become more sophisticated. It is important to have the right insurance to protect you in case the worst does happen, because your general liability insurance excludes cybercrime. In these cases, you will need cyber liability insurance, which can cover damages to your customers as well as damages to your business.
You don’t need to go it alone when it comes to finding the right cyber liability insurance for your business. EZ.Insure is here to help, and will connect you to your own knowledgeable agent. With one of our agents, you never have to wonder if you’re going to get the right protection at the right price. To get started with us – for free – simply enter your zip code in the bar above, or you can speak to an agent by calling 888-615-4893.
Insurance is a complex thing. When the time comes to pick the best plan, you want to make sure you know that you chose the one that meets your needs and budget. Doing this alone can lead to misinformation. If you choose to use an agent’s help, it is important to make sure that you have one that is honest, and has your best interests at heart. Some agents will deceive you just to make a sale, but not our agents. EZ.Insure agents want what you want, we are here to serve you.
With EZ, you will recieve you own personal agent who will compare plans and provide you with the best.
Custom Service
As soon as you submit a form and reach out to us you will see a photograph of the agent we have chosen for you based on your needs, and you will have the ability to see online quotes that they offer instantly. Before you even speak to an agent you will know who they are, some of the companies they work directly with, and what some of the plan prices they offer are.
What Our Agents Provide
Gone are the days of dealing with multiple agents. EZ will provide you your own personal agent that is specialized and licensed in your area. You personal agent will:
Compare plans to find the one that fits your needs.
Help you get insurance companies to lower their prices to get your business.
Assist you through the Health Plan enrollment process.
Our agents put you first and prioritize your needs.
Offer you support in the future with any Health Care issues you might encounter.
Aside from all of these things your agent will provide, you will also receive honesty and integrity. It is all about helping you and making sure you have a positive experience, not making money off you.
No More False Information
Because our agents will compare all the available plans in your area, you will not have to worry about getting the wrong information. The agent we provide you will give you instant, accurate quotes, for free. The goal is to provide you with these quotes, and make sure you find the best plan for your exact needs and budget. No deception, or trying to get you to sign up for something you do not need just to make a profit. That is what separates us from the other companies.
