Butter FAQs

Get your Butter insurance questions answered.

A little about us

About Butter

Butter is a membership-based insurance agency that partners with top carriers to provide high-quality coverage to businesses. We are not a carrier. We take care of you and your business, while carriers underwrite your policy. Together, we create a better insurance experience for you.
Yes! Butter is created by The Sidewalk Group and writes insurance through the SWG Agency, LLC. We are licensed in 49 states and our expert agents are here for all your insurance needs.
We partner with The Hartford, which is rated A+ by A.M. Best.
Yes! We will quickly help you with this. We’re excited to welcome you as a Butter member.
No. Butter members must have an insurance policy through Butter. We are happy to help you with switching and cancelling your current policy.
You can use Butter if you are over the age of 18 and you have a business in the United States. More information on our terms of service is available at: https://www.butterhq.com/legal/terms-of-service.
Butter makes money by placing our members in insurance policies and we only profit when we add value by getting you better coverage or saving on rates. Or both!
We have some of the most competitive rates on the market. We are committed to ensuring you have the right amount of coverage to protect your business, and helping you understand why it’s important.
Many business owners are very focused on cost savings before they learn that making sure their shop is protected is the #1 most important thing. The Butter team helps owners learn that institutions who offer extremely cheap rates typically pay for those rates in two ways: by not providing enough coverage and by raising rates at renewals. This practice runs counter to the Butter philosophy.
Not yet. We know there is international interest, and we look forward to serving customers outside of the United States as soon as we possibly can.
Butter and our partners never sell, rent, or loan any personal information that you provide to us. We use a variety of methods to secure our infrastructure and have comprehensive data retention and business continuity plans designed to keep your data safe. If you would like detailed information on privacy and more, you can always go to butterhq.com/policies.

Getting Insurance

Most Butter customers can get coverage in minutes. Occasionally, our insurance partner may review your case in more detail. When that happens, our usual turnaround time is within the same business day.
We make this easy by generating and sending it to you or your chosen third party. Just send us a message at support@butterhq.com.
You can choose the start date of your policy as you complete your purchase. It just needs to be within 90 days.
That is okay! You chose the start date of your policy as you complete your purchase. If you want to change it, just send us a message at support@butterhq.com.

Business Owners Policy (BOP)

A Business Owners Policy, or BOP, is a bundle of important coverages that are sold together. The main coverages included are general liability insurance and property insurance.
General liability insurance is coverage for your legal responsibility for any harm caused to other people or their property. This protects your business if you or your employees do something or fail to do something that results in bodily injury or property damage, or if a customer becomes injured at your business.
Business property insurance provides coverage for your owned or rented building, as well as the tools and equipment you use to operate your business. This guards your business against losses resulting from burglary, theft, wind, fire, or lightning.

Workers’ Compensation (WC)

This coverage is required in most states and is also called workman's comp or workers' comp insurance. This provides medical, wage, and other financial benefits to employees who are injured or become ill while on the job.
Workers’ compensation insurance helps employees recover from work-related injuries and illnesses, allowing them to return to work faster. It covers medical care and treatment, replaces most of their lost wages if they take time off to recover, provides disability benefits, and offers death benefits, such as helping pay for a funeral if they lose their life due to a work accident or job-related illness. It also includes liability coverage, which can help pay for your legal costs if your business faces lawsuits from injured workers or their families.
If we can help you with a question, or if you’d like to share your ideas, send us a message at info@butterhq.com and we’ll be in touch.

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