Explain who can access the client account or approve a vendor payment, and what verification controls you use.[2]
Request the definitions, insured-person terms, exclusions, and any separate limits in the proposed form.[2][3]
Read the Marketing Insurance Buying Guide
Sources and Further Reading
- Advertising and Marketing Basics — Federal Trade Commission. Verified FTC replacement page: advertising claims and endorsements.
FTC advertising guidance; does not establish policy response.
- Small Business Insurance — National Association of Insurance Commissioners. Small-business coverage categories, exclusions, property interests.
General coverage purposes and exclusions, not policy wording.
- Cyber Insurance — Federal Trade Commission (content developed with NAIC and federal partners). First-party and third-party cyber examples; not policy wording.
First/third-party examples to turn into quote questions, not promises.
- Launch your business — Get business insurance — U.S. Small Business Administration. Business insurance overview, common types and buying steps; broad federal mandate statement not relied on.
- Cybersecurity for Small Business — Federal Trade Commission. Supplier risk assessment and vendor-breach response.
- Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024: buying cover; property/time-element; inland marine; equipment breakdown; GL; workers compensation; rating.
Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education. Policy wording and applicable state rules determine terms for a particular business.
Updated 2026-09-28. Editorial Policy
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