Author
Business Insurance Contributor
David Okafor is a contributor to Best Insurance Guide covering business insurance, including general liability, professional liability and workers' compensation. His guides are reviewed against policy forms and state insurance department guidance to help small-business owners understand their exposures. *Editorial note: contributor profiles reflect current editorial roles. License numbers and verifiable professional credentials are published here as contributors provide them. Our guides are educational and do not constitute personalized financial advice — always confirm details with a licensed agent or your state insurance department before buying.*
No, Florida has not repealed PIP. The 2026 bill to end no-fault died in committee, so PIP is still required. How Florida PIP insurance works, the 14-day rule, who pays for car damage in a no-fault state, filing two PIP claims, and what could change in 2027.
Car insurance covers flood damage only if you have comprehensive coverage. What to do if your car was in a flood, whether flood damage is repairable or a total loss, how claims are paid, and how to tell if a used car was flooded.
Dog walking insurance starts with general liability, but that policy usually excludes the dogs themselves. Here is the full set of cover a dog walker needs, real 2026 cost data, and how to avoid paying for what you do not need.
Box truck cover is priced on radius, cargo and authority far more than on the truck. Understanding those three explains most of the spread between quotes.
North Carolina sets its workers compensation threshold at three employees, which catches growing Charlotte businesses at exactly the wrong moment.
A sole proprietorship has no legal separation between the owner and the business, which means a business liability reaches personal assets directly. That is the whole argument.
Georgia sets its workers compensation threshold at three employees and splits into two property markets at the coast. Both change what a business here should buy.
Michigan's no-fault system was overhauled and commercial vehicle owners now choose a PIP level. That single election changes what a fleet policy actually protects against.
New Jersey requires workers compensation from the first employee with no small-employer exemption. General liability is not required by law and is required by everybody else.
An umbrella sits above your existing liability policies and pays when they run out. It is the cheapest large limit available and it will not fix a gap underneath it.
A caterer works in other people's buildings, serves food to strangers and frequently pours alcohol. Each of those is a separate policy and the third is the one that ends businesses.
Commercial auto is priced on what the vehicle does rather than what it is. Radius, cargo, driver records and limits explain nearly all of the spread between quotes.
