/**
 * General Functions
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



/**
 * Get the components of theme mobile header
 */
if( ! function_exists( 'tie_mobile_header_components' ) ) {

	function tie_mobile_header_components( $area ){

		$mobile_header_components = array(

			'menu' => tie_mobile_menu_icon(),

			'search' => '
				<a href="#" class="tie-search-trigger-mobile">
					<span class="tie-icon-search tie-search-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Search for', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',

			'skin' => '
				<a href="#" class="change-skin" title="'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'">
					<span class="tie-icon-moon change-skin-icon" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Switch skin', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			',
		);

		// Login and user account
		if( is_user_logged_in() ){

			ob_start();
			tie_login_form();
			$login_form = ob_get_clean();

			$current_user = wp_get_current_user();
			$mobile_header_components['login'] = '
				<a href="#" class="profile-btn">'.
					get_avatar( $current_user->ID, apply_filters( 'TieLabs/Login/avatar_size', 30 ) ) .'
					<span class="screen-reader-text">'. esc_html__( 'Your Profile', TIELABS_TEXTDOMAIN ) .'</span>
				</a>

				<div class="components-sub-menu comp-sub-menu components-user-profile">'. $login_form .'</div>
			';
		}
		else {
			$mobile_header_components['login'] = '
				<a href="#" class="lgoin-btn tie-popup-trigger">
					<span class="tie-icon-author" aria-hidden="true"></span>
					<span class="screen-reader-text">'. esc_html__( 'Log In', TIELABS_TEXTDOMAIN ) .'</span>
				</a>
			';
		}

		// WooCommerce Cart
		if ( TIELABS_WOOCOMMERCE_IS_ACTIVE ){
			$mobile_header_components['cart'] = tie_component_button_cart();
		}

		// BuddyPress
		if ( TIELABS_BUDDYPRESS_IS_ACTIVE ){
			$mobile_header_components['bp_notifications'] = tie_component_button_bp_notifications();
		}

		// Check the active components
		$components = array();
		foreach ( $mobile_header_components as $key => $html ) {
			if( tie_get_option( 'mobile_header_components_'.$key ) == $area ){
				$components[ $key ] = '<li class="mobile-component_'.$key .' custom-menu-link">'. $html .'</li>';
			}
		}

		//
		$components = apply_filters( 'TieLabs/Mobile/Header/Components', $components, $area );


		if( ! empty( $components ) ){
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components">';
				echo '<ul class="components">'. join( ' ', $components ) .'</ul>';
			echo '</div>';
		}

		// If Header layout is centered we need to place the div even if it is empty || FLEX
		elseif ( tie_get_option( 'mobile_header' ) == 'centered' ) {
			echo '<div id="mobile-header-components-'. $area .'" class="mobile-header-components"></div>';
		}

		return false;
	}
}


/**
 * Mobile Menu icon
 */
if( ! function_exists( 'tie_mobile_menu_icon' ) ) {

	function tie_mobile_menu_icon(){

		if( ! tie_get_option( 'mobile_header_components_menu' ) ){
			return false;
		}

		$menu_icon = tie_get_option( 'mobile_menu_icon', 1 );

		$class = 'tie-mobile-menu-icon ';

		if( is_numeric( $menu_icon ) ){
			$class .= "nav-icon is-layout-$menu_icon";
		}
		else{
			$class .= "tie-icon-$menu_icon";
		}

		$class_wrapper = tie_get_option( 'mobile_menu_text' ) ? 'menu-text-wrapper' : '';

		$mobile_icon  = '<a href="#" id="mobile-menu-icon" class="'. $class_wrapper .'">';
		$mobile_icon .= '<span class="'. $class .'"></span>';

		if( tie_get_option( 'mobile_menu_text' ) ){
			$mobile_icon .= '<span class="menu-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}
		else{
			$mobile_icon .= '<span class="screen-reader-text">'. esc_html__( 'Menu', TIELABS_TEXTDOMAIN ) .'</span>';
		}

		$mobile_icon .= '</a>';

		return $mobile_icon;
	}
}


/**
 * Mobile Header Components Main area
 */
if( ! function_exists( 'tie_mobile_header_components_area_1' ) ) {

	add_action( 'TieLabs/Logo/before', 'tie_mobile_header_components_area_1' );
	function tie_mobile_header_components_area_1(){
		tie_mobile_header_components( 'area_1' );
	}
}



/**
 * Mobile Header Components
 */
if( ! function_exists( 'tie_mobile_header_components_area_2' ) ) {

	add_action( 'TieLabs/Logo/after', 'tie_mobile_header_components_area_2' );
	function tie_mobile_header_components_area_2(){
		tie_mobile_header_components( 'area_2' );
	}
}/**
 * Filters
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly


class TIELABS_FILTERS {

	/**
	 * Runs on class initialization. Adds filters and actions.
	 */
	function __construct() {

		// Add Support for Shortcodes in the terms descriptions
		add_filter( 'term_description', 'do_shortcode' );

		add_action( 'init',                  array( $this, 'init_hook' ) );
		add_action( 'init',                  array( $this, 'redirect_random_post' ) );

		add_action( 'wp_head',               array( $this, 'meta_description' ) );
		add_action( 'wp_head',               array( $this, 'meta_generator' ) );
		add_action( 'wp_head',               array( $this, 'x_ua_compatible' ) );

		add_action( 'wp_footer',             array( $this, 'footer_inline_scripts' ), 999 );
		add_action( 'wp_footer',             array( $this, 'footer_misc'  ) );
		add_action( 'wp_footer',             array( $this, 'popup_module' ) );

		add_action( 'comment_class',         array( $this, 'is_avatar_enabled' ) );
		add_filter( 'pre_get_posts',         array( $this, 'search_filters' ) );
		add_filter( 'pre_get_posts',         array( $this, 'category_posts_order' ) );
		add_filter( 'TieLabs/cache_key',     array( $this, 'cache_key' ) );
		add_filter( 'widget_tag_cloud_args', array( $this, 'tag_widget_limit' ) );
		add_filter( 'widget_title',          array( $this, 'tagcloud_widget_title' ), 10, 3 );
		add_filter( 'login_headerurl',       array( $this, 'dashboard_login_logo_url' ) );
		add_filter( 'login_head',            array( $this, 'dashboard_login_logo' ) );
		add_filter( 'get_the_archive_title', array( $this, 'archive_title' ), 15 );
		add_filter( 'wp_link_pages_args',    array( $this, 'pages_next_and_number' ) );
		add_filter( 'excerpt_more',          array( $this, 'excerpt_more' ) );
		add_filter( 'get_the_excerpt',       array( $this, 'post_excerpt' ), 9 );

		add_filter( 'has_post_thumbnail',    array( $this, 'has_post_thumbnail' ) );
		add_filter( 'post_thumbnail_html',   array( $this, 'default_featured_image' ), 10, 5 );

		add_filter( 'TieLabs/exclude_content',            'TIELABS_HELPER::strip_shortcodes' );
		add_filter( 'wp_get_attachment_image_src',        array( $this, 'gif_image' ), 10, 4 );
		add_filter( 'wp_get_attachment_image_attributes', array( $this, 'small_thumb_image_class' ), 10, 3 );

		add_filter( 'TieLabs/Primary_Category/custom', array( $this, 'yoast_seo_primary_category' ) );

		// Translations
		if( tie_get_option( 'translations' ) ){
			add_filter( 'gettext', array( $this, 'theme_translation' ), 10, 3 );
		}

		if( tie_get_option( 'translation_numbers' ) ){
			add_filter( 'get_the_date',                   array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_date',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'get_comment_time',               array( $this, 'translate_numbers' ), 55 );
			add_filter( 'comments_number',                array( $this, 'translate_numbers' ), 55 );
			add_filter( 'wp_list_categories',             array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/number_format',          array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_date',              array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/reading_time',           array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/post_views_number',      array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Social_Counters/number', array( $this, 'translate_numbers' ), 55 );
			add_filter( 'TieLabs/Weather/number',         array( $this, 'translate_numbers' ), 55 );
		}
	}


	/**
	 * init_hook
	 */
	function init_hook(){

		/*if( current_user_can( 'manage_options' ) ){
			add_filter( 'the_content', array( $this, 'shortcodes_notice' ) );
		}
		*/

		//WordPress doesn't recognize it as RTL language because there is an error in the main translation file of the Sindhi language!
		if( get_locale() == 'snd' && ! is_rtl() ){
			global $wp_locale;
			$wp_locale->text_direction = 'rtl';
		}
	}


	/**
	 * Add notice for the shortcodes plugin
	 */
	function shortcodes_notice( $content ){

		// Don't show the message if this is excerpt OR backend OR AMP
		if(
				is_admin() ||
				( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ) ||
				in_array( 'parse_request',   $GLOBALS['wp_current_filter'] ) ||
				in_array( 'get_the_excerpt', $GLOBALS['wp_current_filter'] ) ){
			return $content;
		}

		$message = '';

		// Timetable and Event Schedule Plugin
		if( ! TIELABS_MPTIMETABLE_IS_ACTIVE ){

			if( strpos( $content, '[mp-timetable' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Timetable and Event Schedule</strong>',
					'<a href="https://wordpress.org/plugins/mp-timetable/" target="_blank" rel="noopener">',
					'</a>'
				), false );
			}
		}

		// Contact Form 7 Plugin
		if( ! class_exists( 'WPCF7' ) ){

			if( strpos( $content, '[contact-form-7' ) !== false ){

				$message .= TIELABS_HELPER::notice_message( sprintf(
					esc_html__( 'This section contains some shortcodes that requries the %2$s%1$s%3$s Plugin.', TIELABS_TEXTDOMAIN ),
					'<strong>Contact Form 7</strong>',
					'<a href="https://wordpress.org/plugins/contact-form-7/" target="_blank" rel="noopener">',
					'</a>'
				), false) ;
			}
		}

		// Return the content with message
		return apply_filters( 'TieLabs/shortcodes_check', $message, $content ) . $content;
	}


	/**
	 * x_ua_compatible
	 */
	function x_ua_compatible(){
		echo '<meta http-equiv="X-UA-Compatible" content="IE=edge">';
	}


	/**
	 * meta_escription
	 */
	function meta_description(){

		// Return if the description option is disabled or the Yoast SEO or Rank Math SEO plugins are active
		if( ! tie_get_option( 'post_meta_escription' ) || class_exists( 'WPSEO_Frontend' ) || class_exists( 'RankMath' ) ){
			return;
		}

		// Single Page doesn't have a builder
		if( is_singular() && ! TIELABS_HELPER::has_builder() ){

			$post = get_post();

			if( ! empty( $post->post_content ) ){
				$description = apply_filters( 'TieLabs/exclude_content', $post->post_content );
			}
		}
		// Archives
		elseif( get_the_archive_description() ){
			$description = get_the_archive_description();
		}

		// Default
		if( empty( $description ) ){
			$description = get_bloginfo( 'description' );
		}

		if( ! empty( $description ) ){
			$description = strip_tags( strip_shortcodes( $description ) );
			echo ' <meta name="description" content="'. esc_attr( wp_html_excerpt( $description, 150 ) ) .'" />';
		}
	}


	/**
	 * Theme translations
	 */
	function theme_translation( $translation, $text, $domain ){

		if( $domain == TIELABS_TEXTDOMAIN || $domain == 'amp' ){

			$translations = tie_get_option( 'translations' );

			if( ! empty( $translations ) ){  // To minimize the calls of sanitize_title
				$sanitize_text = sanitize_title( htmlspecialchars( $text ) );

				if( ! empty( $translations[ $sanitize_text ] ) ){
					return htmlspecialchars_decode( $translations[ $sanitize_text ] );
				}
			}
		}

		return $translation;
	}


	/**
	 * Add the inline scripts to the Footer
	 */
	function footer_inline_scripts(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Print the inline scripts if the BWP is active
		if( ! empty( $GLOBALS['tie_inline_scripts'] ) && TIELABS_HELPER::is_js_minified() ){
			echo '<script type="text/javascript">'. $GLOBALS['tie_inline_scripts'] .'</script>';
		}
	}


	/**
	 * Add Misc Footer Conetnt
	 */
	function footer_misc(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		// Custom Footer Code
		if ( tie_get_option( 'footer_code' ) ){
			echo do_shortcode( apply_filters( 'TieLabs/footer_code', tie_get_option( 'footer_code' ) ) );
		}

		// Reading Position Indicator
		if ( tie_get_option( 'reading_indicator' ) && is_single() && ! tie_get_option( 'autoload_posts' ) ){
			echo '<div id="reading-position-indicator"></div>';
		}

		// Live Search
		if(
			tie_menu_has_search( 'top_nav', true )  ||
			tie_menu_has_search( 'main_nav', true ) ||
		  ( tie_get_option( 'mobile_header_components_search') && tie_get_option( 'mobile_header_live_search') )
		){
			echo '<div id="autocomplete-suggestions" class="autocomplete-suggestions"></div>';
		}

		// Scrollbar - Used to get the default scrollbar width.
		echo '<div id="is-scroller-outer"><div id="is-scroller"></div></div>';

		// Facebook buttons
		echo '<div id="fb-root"></div>';
	}


	/**
	 * Add the Popup module to the footer
	 */
	function popup_module(){

		// Check if we are in an AMP page
		if( function_exists( 'is_amp_endpoint' ) && is_amp_endpoint() ){
			return;
		}

		TIELABS_HELPER::get_template_part( 'templates/popup' );
	}


	/**
	 * Add an extra class to the comment item if the avatar is active
	 */
	function is_avatar_enabled( $classes ){

		if( is_array( $classes ) && get_option( 'show_avatars' ) ){
			$classes[] = 'has-avatar';
		}

		return $classes;
	}


	/**
	 * Exclude post types and categories From Search results
	 */
	function search_filters( $query ){

		if( is_admin() || isset( $_GET['post_type'] ) ){
			return $query;
		}

		if( is_search() && $query->is_main_query() ){

			// Exclude Post types from search
			if ( ($exclude_post_types = tie_get_option( 'search_exclude_post_types' )) && is_array( $exclude_post_types ) ){

				$args = array(
					'public' => true,
					'exclude_from_search' => false,
				);

				$post_types = get_post_types( $args );

				foreach ( $exclude_post_types as $post_type ){
					unset( $post_types[ $post_type ] );
				}

				$query->set( 'post_type', $post_types );
			}

			// Exclude specific categoies from search
			if ( tie_get_option( 'search_cats' ) ){
				$query->set( 'cat', tie_get_option( 'search_cats' ) );
			}
		}

		return $query;
	}


	/**
	 * Change the posts order in the category page
	 */
	function category_posts_order( $query ){

		if( ! is_admin() && is_category() && $query->is_main_query() ){

			$current_category = get_queried_object();

			if( ! empty( $current_category->term_id ) ){

				$posts_order = tie_get_category_option( 'posts_order', $current_category->term_id );

				// Posts Order
				if( ! empty( $posts_order ) ){

					if( $posts_order == 'views' && tie_get_option( 'tie_post_views' ) ){ // Most Viewd posts
						$query->set( 'orderby', 'meta_value_num' );
						$query->set( 'meta_key', apply_filters( 'TieLabs/views_meta_field', 'tie_views' ) );
					}
					elseif( $posts_order == 'popular' ){ // Popular Posts by comments
						$query->set( 'orderby', 'comment_count' );
					}
					elseif( $posts_order == 'title' ){
						$query->set( 'orderby', 'title' );
						$query->set( 'order', 'ASC' );
					}
					else{
						$query->set( 'orderby', $posts_order );
					}
				}
			}
		}

		return $query;
	}


	/**
	 * Random Article
	 */
	function redirect_random_post(){

		if( wp_doing_ajax() ){
			return;
		}

		if( isset( $_GET['random-post'] ) && ( tie_get_option( 'top-nav-components_random' ) || tie_get_option( 'main-nav-components_random' ) ) ) {

			$args = array(
				'posts_per_page'      => 1,
				'orderby'             => 'rand',
				'fields'              => 'ids',
				'no_found_rows'       => true,
				'ignore_sticky_posts' => true,
			);

			$random_post = new WP_Query ( $args );

			while ( $random_post->have_posts () ){
				$random_post->the_post();
				wp_redirect( get_permalink() );
				exit;
			}
		}
	}


	/**
	 * Widgets Small Image Class
	 *
	 * By default WordPress uses 2 classes attachment-{size} size-{size}
	 * we need to add a general class doesn't linked with the thumb name
	 */
	function small_thumb_image_class( $attr, $attachment, $size = false ) {

		if( ! empty( $size ) && $size == TIELABS_THEME_SLUG.'-image-small' ){
			$attr['class'] .= ' tie-small-image';
		}

		return $attr;
	}


	/**
	 * Gif images
	 */
	function gif_image( $image, $attachment_id, $size, $icon ){

		if( ! tie_get_option( 'disable_featured_gif' ) ){

			$file_type = ! empty( $image[0] ) ? wp_check_filetype( $image[0] ) : false;

			if( ! empty( $file_type ) && $file_type['ext'] == 'gif' && $size != 'full' ){

				$full_image = wp_get_attachment_image_src( $attachment_id, $size = 'full', $icon );

				// For the avatars we need to keep the original width and height
				if( ! empty( $full_image ) && in_array( 'get_avatar', $GLOBALS['wp_current_filter'] ) ){
					$full_image[1] = $image[1];
					$full_image[2] = $image[2];
				}

				return $full_image;
			}
		}

		return $image;
	}


	/**
	 * Modify Excerpts
	 */
	function post_excerpt( $text = '' ){

		$raw_excerpt = $text;

		if ( '' == $text ){

			//$text = get_the_content( '' ); // Causes issues with the new Posts List Blocks

			$_post = get_post();
			$text = ! empty( $_post->post_content ) ? $_post->post_content : '';
			$text = apply_filters( 'TieLabs/exclude_content', $text );

			/**
			 * If images with class wp-image-{ID} exists in the conetnt, WordPress make a DB request to get andd add the srcset
			 * Since we are in excerpt we don't need that, Great affect on archives pages
			 */
			$text = str_replace( 'wp-image-', 'tie-image', $text );

			$text = strip_shortcodes( $text );
			$text = apply_filters( 'the_content', $text );
			$text = str_replace( ']]>', ']]>', $text );

			$excerpt_length = apply_filters( 'excerpt_length', 55 );
			$excerpt_more   = apply_filters( 'excerpt_more', ' ' . '[&hellip;]' );
			$text           = wp_trim_words( $text, $excerpt_length, $excerpt_more );
		}

		return apply_filters( 'wp_trim_excerpt', $text, $raw_excerpt );
	}


	/**
	 * Global Cache Key
	 */
	function cache_key( $key ){
		return 'tie-cache-'. TIELABS_HELPER::get_locale() . $key;
	}


	/**
	 * Change the number of tags in the cloud tags
	 */
	function tag_widget_limit( $args ){

		if( isset($args['taxonomy']) && $args['taxonomy'] == 'post_tag' ){
			$args['number'] = 18;
		}

		return $args;
	}


	/**
	 * Remove the default Tag CLoud titles if the title field is empty
	 */
	function tagcloud_widget_title( $title = false, $instance = false, $id_base = false ){

		if( $id_base == 'tag_cloud' && empty( $instance['title'] ) ){
			return false;
		}

		return $title;
	}


	/**
	 * Custom Dashboard login URL
	 */
	function dashboard_login_logo_url(){

		if( tie_get_option( 'dashboard_logo_url' ) ){
			return tie_get_option( 'dashboard_logo_url' );
		}
	}


	/**
	 * Custom Dashboard login page logo
	 */
	function dashboard_login_logo(){

		if( tie_get_option( 'dashboard_logo' ) ){
			echo '<style type="text/css"> .login h1 a {  background-image:url('.tie_get_option( 'dashboard_logo' ).')  !important; background-size: contain; width: 320px; height: 85px; } </style>';
		}
	}



	/**
	 * Remove anything that looks like an archive title prefix ("Archive:", "Foo:", "Bar:").
	 */
	function archive_title( $title ){

		if ( is_category() ) {
			return single_cat_title( '', false );
		}
		elseif ( is_tag() ) {
			return single_tag_title( '', false );
		}
		elseif ( is_author() ) {
			return '<span class="vcard">' . get_the_author() . '</span>';
		}
		elseif ( is_post_type_archive() ) {
			return post_type_archive_title( '', false );
		}
		elseif ( is_tax() ) {
			return single_term_title( '', false );
		}

		return $title;
	}


	/**
	 * Add Number and Next / prev multiple post pages
	 */
	function pages_next_and_number( $args ){

		if( $args['next_or_number'] == 'next_and_number' ){

			global $page, $numpages, $multipage, $more;
			$args['next_or_number'] = 'number';
			$prev = '';
			$next = '';

			if ( $multipage && $more ){
				$i = $page - 1;
				if ( $i && $more ){
					$prev .= _wp_link_page($i);
					$prev .= $args['link_before']. $args['previouspagelink'] . $args['link_after'] . '</a>';
				}

				$i = $page + 1;
				if ( $i <= $numpages && $more ){
					$next .= _wp_link_page($i);
					$next .= $args['link_before']. $args['nextpagelink'] . $args['link_after'] . '</a>';
				}
			}

			$args['before'] = $args['before'].$prev;
			$args['after'] = $next.$args['after'];
		}

		return $args;
	}


	/**
	 * Excerpt More
	 */
	function excerpt_more( $more ){
		return ' &hellip;';
	}


	/**
	 * Theme Generator Meta
	 */
	function meta_generator(){

		$active_theme = wp_get_theme();

		if ( is_child_theme() ) {
			$active_theme = wp_get_theme( $active_theme->Template );
		}

		if( ! empty( $active_theme->Name ) ){
			$theme_info = apply_filters( 'TieLabs/theme_meta_generator', $active_theme->Name .' '.  TIELABS_DB_VERSION );
			if( ! empty( $theme_info ) ){
				echo "\n" . "<meta name='generator' content='' />" . "\n";
			}
		}
	}


	/**
	 * If the post doesn't have a Primary Category, use the Primary Category of Yoast if it is available
	 */
	function yoast_seo_primary_category( $category = false ){

		if( class_exists( 'WPSEO_Meta' ) ){

			$wpseo_primary_term = get_post_meta( get_the_id(), WPSEO_Meta::$meta_prefix . 'primary_category', true );

			if( ! empty( $wpseo_primary_term ) ){
				$get_the_category = TIELABS_WP_HELPER::get_term_by( 'id', $wpseo_primary_term, 'category' );

				if ( ! empty( $get_the_category ) && ! is_wp_error( $get_the_category ) ) {
					return $get_the_category;
				}
			}
		}

		return false;
	}


	/**
	 * Always return true, If there is a default featured image
	 */
	function has_post_thumbnail( $has_thumbnail ) {

		if( tie_get_option( 'default_featured_image' ) && tie_get_option( 'default_featured_image_id' ) ){
			$has_thumbnail = true;
		}

		return $has_thumbnail;
	}


	/**
	 * Set a default featured image if it is missing
	 */
	function default_featured_image( $html, $post_id, $post_thumbnail_id, $size, $attr ) {

		// Return if the post has a featured image
		if( ! empty( $html ) ){
			return $html;
		}

		// Check if the default eatured image option is active
		if( ! tie_get_option( 'default_featured_image' ) || ! tie_get_option( 'default_featured_image_id' ) ){
			return $html;
		}

		$default_thumbnail_id = tie_get_option( 'default_featured_image_id' ); // select the default thumb.

		return wp_get_attachment_image( $default_thumbnail_id, $size, false, $attr );
	}


	/**
	 * Translate numbers
	 */
	function translate_numbers( $the_number ) {

		if( ! ( is_admin() && ! wp_doing_ajax() ) ) {

			$translated_numbers = tie_get_option( 'translation_numbers' );

			if( ! empty( $translated_numbers ) && is_array( $translated_numbers ) && count( $translated_numbers ) == 10 ){

				$original_numbers = array( '0', '1', '2', '3', '4', '5', '6', '7', '8', '9' );
				return str_replace( $original_numbers, $translated_numbers, $the_number );
			}
		}

		return $the_number;
	}

}

// Single instance.
$TIELABS_FILTERS = new TIELABS_FILTERS();/**
 * Taqyeem Class
 *
 */

defined( 'ABSPATH' ) || exit; // Exit if accessed directly



if( ! class_exists( 'TIELABS_TAQYEEM' ) ) {

	class TIELABS_TAQYEEM{

		/**
		 * __construct
		 *
		 * Class constructor where we will call our filter and action hooks.
		 */
		function __construct(){

			// Disable if the Taqyeem plugin is not active
			if( ! TIELABS_TAQYEEM_IS_ACTIVE ){
				return;
			}

			// Disable the Custom Styles and Typofraphy options
			add_filter( 'taqyeem_custom_styles', '__return_false' );

			// Disable Updater and Verification
			add_filter( 'Taqyeem/Updater/disable',      '__return_true' );
			add_filter( 'Taqyeem/Verification/disable', '__return_true' );

			// Disable the plugin Rich Snippets
			add_filter( 'tie_taqyeem_rich_snippets', '__return_false' );

			// Remove Shortcodes code and Keep the content
			add_filter( 'taqyeem_exclude_content', 'TIELABS_HELPER::strip_shortcodes' );

			// Dequeue Scripts and Styles
			add_filter( 'wp_enqueue_scripts', array( $this, 'enqueue_scripts' ), 50 );

			// Dequeue Scripts and Styles
			add_filter( 'admin_enqueue_scripts', array( $this, 'admin_enqueue_scripts' ), 50 );

			// Change the reviews head box class
			add_filter( 'taqyeem_reviews_head_classes', array( $this, 'review_head_class' ) );

			// Alter the Queries
			add_filter( 'TieLabs/Query/args', array( $this, 'best_reviews_query' ), 10, 2 );

			// Alter the Related Posts Query
			add_filter( 'TieLabs/related_posts_query', array( $this, 'related_posts_query' ) );

			// Alter the Check Also box Query
			add_filter( 'TieLabs/checkalso_query', array( $this, 'checkalso_query' ) );

			// Default Widgets Posts Thumb Size
			add_filter( 'tie_taqyeem_widget_thumb_size', array( $this, 'reviews_thumb_size' ) );

			// Allow the Rview Rich Snippet on Pages
			add_filter( 'TieLabs/is_page_rich_snippet', array( $this, 'rich_snippet_for_page' ) );

			// Change the Review Rich Snippet
			add_filter( 'TieLabs/rich_snippet_schema', array( $this, 'review_rich_snippet' ) );

			// Add Best Reviews to the post order option menu.
			add_filter( 'TieLabs/Options/Related/post_order_args',   array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Options/Checkalso/post_order_args', array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Builder/Block/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Settings/Category/posts_order',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Slider/post_order_args',     array( $this, 'posts_order_args' ) );
			add_filter( 'TieLabs/Widget/Posts/post_order_args',      array( $this, 'posts_order_args_2' ) );

			// Prevent Taqyeem from displaying the review box in the content block in the builder
			add_action( 'TieLabs/Builder/before', array( $this, 'remove_review_block' ) );

			// Replace the old icon classes with the new classes of Font Awesome 5.0
			add_filter( 'taqyeem_buttons_icon',  array( $this, 'replace_icon_fa5' ) );
		}


		/**
		 * Allow the Rview Rich Snippet on Pages
		 */
		function rich_snippet_for_page(){

			if( tie_get_postdata( 'taq_review_position' ) ){
				return true;
			}
		}


		/**
		 * Change the Review Rich Snippet
		 */
		function review_rich_snippet( $schema ){

			// Check if the Taqyeem Structured Data is active, current post has review and the Taqyeem version is >= 2.3.0
			if( ! taqyeem_get_option( 'structured_data' ) || ! tie_get_postdata( 'taq_review_position' ) || ! function_exists( 'taqyeem_review_get_rich_snippet' ) ){
				return $schema;
			}

			// Unset some data
			unset( $schema['articleBody'] );
			unset( $schema['articleSection'] );

			// Get the Review structure data
			$review_rich_snippet = taqyeem_review_get_rich_snippet();

			if( $review_rich_snippet['@type'] == 'product' ){
				$schema = $review_rich_snippet;
			}
			else{
				// Add the data to the post structure data
				$schema['@type']        = 'review';
				$schema['itemReviewed'] = $review_rich_snippet['itemReviewed'];
				$schema['reviewBody']   = $review_rich_snippet['reviewBody'];
				$schema['reviewRating'] = $review_rich_snippet['reviewRating'];
			}

			// return the modefied data
			return $schema;
		}


		/**
		 * Change the reviews head box class
		 */
		function review_head_class( $class ){
			return tie_get_box_class( $class );
		}


		/**
		 * Alter the query for the best reviews
		 */
		function best_reviews_query( $args, $block ){

			if( ! empty( $block['order'] ) && $block['order'] == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Related Posts Query
		 */
		function related_posts_query( $args ){

			if( tie_get_option( 'related_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Alter the Check Also Query
		 */
		function checkalso_query( $args ){

			if( tie_get_option( 'check_also_order' ) == 'best' ){
				$args['orderby']  = 'meta_value_num';
				$args['meta_key'] = 'taq_review_score';
			}

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args( $args ){

			$args['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Add Best Reviews to the post order option menu.
		 */
		function posts_order_args_2( $args ){

			$args['standard']['best'] = esc_html__( 'Best Reviews', TIELABS_TEXTDOMAIN );

			return $args;
		}


		/**
		 * Default Widgets Posts Thumb Size
		 */
		function reviews_thumb_size(){
			return TIELABS_THEME_SLUG.'-image-small';
		}


		/**
		 * Prevent Taqyeem from displaying the review box in the content block in the builder
		 */
		function remove_review_block(){
			remove_filter( 'the_content', 'taqyeem_insert_review' );
		}


		/**
		 * Dequeue Scripts and Styles
		 */
		function enqueue_scripts(){

			wp_dequeue_script( 'taqyeem-main' );
			wp_dequeue_style( 'taqyeem-style' );

			wp_enqueue_style( 'taqyeem-styles', TIELABS_TEMPLATE_URL.'/assets/css/plugins/taqyeem'. TIELABS_STYLES::is_minified() .'.css', array(), TIELABS_DB_VERSION, 'all' );

			if( ! is_admin() ){
				wp_dequeue_style( 'taqyeem-fontawesome' );
			}
		}


		/**
		 * Dequeue Scripts and Styles from admin
		 */
		function admin_enqueue_scripts(){

			// Don't Load the main Font Awesome file of the theme in the add/edit posts screens, avoid issue with Taqyeem Button which uses v4.0
			if( function_exists( 'tie_taqyeem_button_output' ) && get_post_type() ){

				wp_dequeue_style( 'tie-fontawesome' );
			}
		}


		/**
		 * Replace the old icon classes with the new classes of Font Awesome 5.0
		 */
		function replace_icon_fa5( $icon ){
			return tie_fa4_to_fa5_value_migration( $icon );
		}


	}


	// Instantiate the class
	new TIELABS_TAQYEEM();
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		<h1 class="post-title entry-title">Business Insurance Quotes: How and Where to Get Them</h1>

		<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">April 29, 2022</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 34 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 3 minutes read</span> </div></div><!-- .post-meta -->	</div><!-- .entry-header /-->

	
	
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<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">There are 3 ways to get enterprise insurance coverage quotes:</span></p>
</div>
<div class="FTDQoV">
<ol data-currency="List" class="_1FP5tP">
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Go to an internet insurance coverage market to get a bunch of quotes directly.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Go to particular person insurer web sites and get quotes one after the other.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Work with an insurance coverage agent who will get quotes in your behalf.</span></p>
</div>
</li>
</ol>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">A quote is a worth estimate for a </span><span class="_2GMChG _3-to_p">enterprise insurance coverage</span><span class="_2GMChG _3-to_p"> coverage. BaghdadTime recommends getting a number of quotes to match premium prices earlier than selecting a coverage.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">The best way to get a enterprise insurance coverage quote on-line</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Getting a enterprise insurance coverage quote on-line is mostly sooner than making use of with an insurance coverage dealer in particular person or over the cellphone.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">To get a enterprise insurance coverage quote on-line, you will possible want to supply data corresponding to:</span></p>
</div>
<div class="FTDQoV">
<ul data-currency="List" class="_33E9q6">
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The annual income for your online business.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">The variety of workers you might have.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW"/>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Properties your online business owns or rents.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Your previous enterprise insurance coverage claims.</span></p>
</div>
</li>
</ul>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _3-to_p">Getting quotes from on-line marketplaces</span></h3>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Insurance coverage marketplaces corresponding to CoverWallet and Merely Enterprise work with insurers to supply a number of quotes. You’re restricted to the businesses that accomplice with {the marketplace}. Nonetheless, should you’ve simply began looking for enterprise insurance coverage and wish to evaluate choices, marketplaces can prevent the effort of contacting particular person suppliers.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">With </span><span class="_2GMChG _3-to_p">Merely Enterprise</span><span class="_2GMChG _3-to_p">, most customers can enter primary particulars about their enterprise after which see a number of quotes on-line. Merely Enterprise’ protection choices are fairly restricted, although — you should buy normal legal responsibility, skilled legal responsibility, cyber insurance coverage, enterprise private property, or </span><span class="_2GMChG _3-to_p">BPP, insurance coverage</span><span class="_2GMChG _3-to_p"> and inland marine insurance coverage, however that’s all.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">CoverWallet</span><span class="_2GMChG _3-to_p"> is an internet market that gives a a lot wider vary of protection sorts. Nevertheless, you&#8217;ll have to choose up the cellphone or look forward to a name as an alternative of viewing quotes on-line.</span></p>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _3-to_p">Getting quotes from on-line insurance coverage corporations</span></h3>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Should you already know that you simply wish to work with a particular firm or want a selected coverage, it could be simpler to get quotes from corporations immediately.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">You’ll need to enter your knowledge repeatedly to get quotes from every supplier. However for many companies, this course of ought to take just a few minutes.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">The best way to get a enterprise insurance coverage quote from an agent</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Insurance coverage brokers are licensed professionals who store for insurance coverage in your behalf. They need to be capable to let you know what sorts of protection you want, get quotes for you and show you how to evaluate choices.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Some brokers work with only one insurance coverage firm and may’t promote insurance policies from every other firm. So, for instance, should you name a neighborhood State Farm agent, they&#8217;ll supply solely </span><span class="_2GMChG _3-to_p">State Farm enterprise insurance coverage</span><span class="_2GMChG _3-to_p"> insurance policies.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Alternatively, some insurance coverage brokers are impartial and may promote insurance policies from many corporations. You’ll clarify what your online business does; they’ll work out what insurance policies you want and get quotes from just a few carriers. Then, you may work with them to choose the correct coverage for you.</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Insurance coverage brokers</span><span class="_2GMChG _3-to_p"> and brokers usually receives a commission on fee, so it’s important to seek out somebody you belief. Your folks or fellow enterprise homeowners could possibly suggest an agent.</span></p>
</div>
<p><h2 class="_2HGwPY _7LUqYM _2GMChG _1VhA5C" data-currency="Text"><span class="_2HGwPY _7LUqYM _2GMChG _3-to_p">The best way to evaluate enterprise insurance coverage quotes</span></h2>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">After you have a number of enterprise insurance coverage quotes, you’ll wish to evaluate them; </span><span class="_2GMChG _3-to_p">cheaper enterprise insurance coverage</span><span class="_2GMChG _3-to_p"> isn’t essentially higher. Right here’s what to search for.</span></p>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _3-to_p">What&#8217;s lined — and what isn’t</span></h3>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Most enterprise insurance coverage insurance policies use normal types, making them fairly comparable. However be conscious of some variations. As an example:</span></p>
</div>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Should you’re in search of protection for a particular threat, ask the insurance coverage firm immediately. You might profit from working with an impartial agent who is aware of the main points of insurance policies from many insurance coverage corporations and may also help you select the correct one.</span></p>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _3-to_p">Whole prices</span></h3>
</p>
<div class="FTDQoV">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">It’s simple to inform which of your insurance coverage quotes affords the bottom premiums. However be sure to additionally take into account:</span></p>
</div>
<div class="FTDQoV">
<ul data-currency="List" class="_33E9q6">
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Reductions.</span></span><span class="_2GMChG _3-to_p"> Some insurance coverage corporations supply reductions for buying a number of insurance policies or paying your premiums yearly as an alternative of month-to-month.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Deductibles.</span></span><span class="_2GMChG _3-to_p"> A coverage’s deductible is the quantity you’ll need to pay out of pocket earlier than protection kicks in. So a coverage with a low premium however excessive deductible is likely to be dearer in the long term.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p"><span class="_3Rmqs8 _2GMChG _3-to_p">Protection limits.</span></span><span class="_2GMChG _3-to_p"> That is the utmost quantity the insurance coverage firm can pay for a selected kind of loss through the coverage interval. Decrease limits normally imply decrease premiums, however they might imply you find yourself paying extra general.</span></p>
</div>
</li>
</ul>
</div>
<p><h3 class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _1VhA5C" data-currency="Text"><span class="_23_GlS _1jyA_Q _2McN3Z _2GMChG _3-to_p">Insurer status and opinions</span></h3>
</p>
<div class="FTDQoV">
<ul data-currency="List" class="_33E9q6">
<li class="_2vhrLT vMzlLC _30uTzW">
<div class="OE0NEO fyWLSM">
<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">J.D. Energy surveys small companies yearly about their expertise with main insurance coverage corporations.</span></p>
</div>
</li>
<li class="_2vhrLT vMzlLC _30uTzW"/>
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<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">Corporations like AM Finest and Commonplace &amp; Poor’s price insurance coverage corporations on their stability and predicted capability to pay claims.</span></p>
</div>
</li>
</ul>
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<p class="_2GMChG _3-to_p"><span class="_2GMChG _3-to_p">BaghdadTime has additionally rated enterprise insurance coverage corporations based mostly on monetary energy, buyer complaints, purchasing expertise and customer support. See our picks for the </span><span class="_2GMChG _3-to_p">finest enterprise insurance coverage corporations</span><span class="_2GMChG _3-to_p">.</span></p>
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<p><a href="https://www.nerdwallet.com/article/small-business/business-insurance-quote">Source link </a></p>

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				<div id="single-post-meta" class="post-meta clearfix"><span class="date meta-item tie-icon">April 29, 2022</span><div class="tie-alignright"><span class="meta-comment tie-icon meta-item fa-before">0</span><span class="meta-views meta-item "><span class="tie-icon-fire" aria-hidden="true"></span> 34 </span><span class="meta-reading-time meta-item"><span class="tie-icon-bookmark" aria-hidden="true"></span> 3 minutes read</span> </div></div><!-- .post-meta -->
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		<script id="tie-schema-json" type="application/ld+json">{"@context":"http:\/\/schema.org","@type":"Article","dateCreated":"2022-04-29T19:35:46+00:00","datePublished":"2022-04-29T19:35:46+00:00","dateModified":"2022-04-29T19:35:47+00:00","headline":"Business Insurance Quotes: How and Where to Get Them","name":"Business Insurance Quotes: How and Where to Get Them","keywords":"Business,Insurance,Quotes","url":"https:\/\/baghdadtime.com\/business-insurance-quotes-how-and-where-to-get-them\/","description":"There are 3 ways to get enterprise insurance coverage quotes:Go to an internet insurance coverage market to get a bunch of quotes directly.Go to particular person insurer web sites and get quotes one","copyrightYear":"2022","articleSection":"Finance","articleBody":"There are 3 ways to get enterprise insurance coverage quotes:Go to an internet insurance coverage market to get a bunch of quotes directly.Go to particular person insurer web sites and get quotes one after the other.Work with an insurance coverage agent who will get quotes in your behalf.A quote is a worth estimate for a enterprise insurance coverage coverage. BaghdadTime recommends getting a number of quotes to match premium prices earlier than selecting a coverage.The best way to get a enterprise insurance coverage quote on-lineGetting a enterprise insurance coverage quote on-line is mostly sooner than making use of with an insurance coverage dealer in particular person or over the cellphone.To get a enterprise insurance coverage quote on-line, you will possible want to supply data corresponding to:The annual income for your online business.The variety of workers you might have.Properties your online business owns or rents.Your previous enterprise insurance coverage claims.Getting quotes from on-line marketplacesInsurance coverage marketplaces corresponding to CoverWallet and Merely Enterprise work with insurers to supply a number of quotes. You\u2019re restricted to the businesses that accomplice with {the marketplace}. Nonetheless, should you\u2019ve simply began looking for enterprise insurance coverage and wish to evaluate choices, marketplaces can prevent the effort of contacting particular person suppliers.With Merely Enterprise, most customers can enter primary particulars about their enterprise after which see a number of quotes on-line. Merely Enterprise\u2019 protection choices are fairly restricted, although \u2014 you should buy normal legal responsibility, skilled legal responsibility, cyber insurance coverage, enterprise private property, or BPP, insurance coverage and inland marine insurance coverage, however that\u2019s all.CoverWallet is an internet market that gives a a lot wider vary of protection sorts. Nevertheless, you'll have to choose up the cellphone or look forward to a name as an alternative of viewing quotes on-line.Getting quotes from on-line insurance coverage corporationsShould you already know that you simply wish to work with a particular firm or want a selected coverage, it could be simpler to get quotes from corporations immediately.You\u2019ll need to enter your knowledge repeatedly to get quotes from every supplier. However for many companies, this course of ought to take just a few minutes.The best way to get a enterprise insurance coverage quote from an agentInsurance coverage brokers are licensed professionals who store for insurance coverage in your behalf. They need to be capable to let you know what sorts of protection you want, get quotes for you and show you how to evaluate choices.Some brokers work with only one insurance coverage firm and may\u2019t promote insurance policies from every other firm. So, for instance, should you name a neighborhood State Farm agent, they'll supply solely State Farm enterprise insurance coverage insurance policies.Alternatively, some insurance coverage brokers are impartial and may promote insurance policies from many corporations. You\u2019ll clarify what your online business does; they\u2019ll work out what insurance policies you want and get quotes from just a few carriers. Then, you may work with them to choose the correct coverage for you.Insurance coverage brokers and brokers usually receives a commission on fee, so it\u2019s important to seek out somebody you belief. Your folks or fellow enterprise homeowners could possibly suggest an agent.The best way to evaluate enterprise insurance coverage quotesAfter you have a number of enterprise insurance coverage quotes, you\u2019ll wish to evaluate them; cheaper enterprise insurance coverage isn\u2019t essentially higher. Right here\u2019s what to search for.What's lined \u2014 and what isn\u2019tMost enterprise insurance coverage insurance policies use normal types, making them fairly comparable. However be conscious of some variations. As an example:Should you\u2019re in search of protection for a particular threat, ask the insurance coverage firm immediately. You might profit from working with an impartial agent who is aware of the main points of insurance policies from many insurance coverage corporations and may also help you select the correct one.Whole pricesIt\u2019s simple to inform which of your insurance coverage quotes affords the bottom premiums. However be sure to additionally take into account:Reductions. Some insurance coverage corporations supply reductions for buying a number of insurance policies or paying your premiums yearly as an alternative of month-to-month.Deductibles. A coverage\u2019s deductible is the quantity you\u2019ll need to pay out of pocket earlier than protection kicks in. So a coverage with a low premium however excessive deductible is likely to be dearer in the long term.Protection limits. That is the utmost quantity the insurance coverage firm can pay for a selected kind of loss through the coverage interval. Decrease limits normally imply decrease premiums, however they might imply you find yourself paying extra general.Insurer status and opinionsJ.D. Energy surveys small companies yearly about their expertise with main insurance coverage corporations.Corporations like AM Finest and Commonplace &amp; Poor\u2019s price insurance coverage corporations on their stability and predicted capability to pay claims.BaghdadTime has additionally rated enterprise insurance coverage corporations based mostly on monetary energy, buyer complaints, purchasing expertise and customer support. See our picks for the finest enterprise insurance coverage corporations.\r\nSource link ","publisher":{"@id":"#Publisher","@type":"Organization","name":"Baghdad Time","logo":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2021\/04\/Fichier-11.png"},"sameAs":["https:\/\/facebook.com\/NewsFeedHubCom","https:\/\/twitter.com\/NewsFeedHub","#","#"]},"sourceOrganization":{"@id":"#Publisher"},"copyrightHolder":{"@id":"#Publisher"},"mainEntityOfPage":{"@type":"WebPage","@id":"https:\/\/baghdadtime.com\/business-insurance-quotes-how-and-where-to-get-them\/","breadcrumb":{"@id":"#Breadcrumb"}},"author":{"@type":"Person","name":"ghaith","url":"https:\/\/baghdadtime.com\/author\/ghaith\/"},"image":{"@type":"ImageObject","url":"https:\/\/baghdadtime.com\/wp-content\/uploads\/2022\/04\/GettyImages-918594910-1440x864.jpg","width":1440,"height":864}}</script>
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