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A Closer Look

Will your agent need to visit your business before writing a policy?

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This story appears in the December 2003 issue of Entrepreneur. Subscribe »

Insuring your personal car? Getting a quote is easy. Insuring your business? Not so simple. Don't be surprised if the insurer wants to take a look at your facilities before making a quote. Carriers conduct pre-quote loss-control inspections to be sure they understand a prospective client's operation and potential risks, as well as to offer the most accurate, competitive quote, says Dick Vaughan, executive technical consultant with investment and insurance firm The Hartford in Hartford, Connecticut.

Typically, after you've applied for coverage, a loss-control consultant will set up an appointment for an inspection, which may include:

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