If you have a small business, you are probably aware that you need a Certificate of Insurance (COI).

You might have been asked to provide one by a savvy consumer or potential landlord. Or perhaps your independent insurance agent advised that you have one.

You may not even have the slightest clue what it is.

As Central Florida-based independent insurance agents, we not only know what a Certificate of Insurance is, we’re also used to answering questions about them. Let’s answer some of your top questions about your Certificate of Insurance.

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“I have a small business…so why does my insurance cost so much?”

Why does small business insurance cost so much? Allow us to untangle it for you.

There are few things more exciting than a business startup. Picking your company name, designing a logo, signing a lease, hiring your first employee, selling your first widget…you’re ready to hustle, baby!

Something that’s probably not so exciting? The commercial insurance quote.

“Wait a minute,” you say. “I have a small business. Why does small business insurance cost SO much?”

There are actually a LOT of different ways to answer that question!

In this article, we’ll try to give you a better understanding of why small business insurance is priced the way that it is, why you shouldn’t base your decisions purely on cost, and a simple way that you can make sure you’re getting the most out of every dollar you spend on your insurance.

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