18 articles
Business insurance guides for small businesses covering general liability, professional liability, workers comp and more.
business insuranceDrone insurance combines liability for damage you cause with hull cover for the drone itself. Here is when it is required, what commercial pilots need, what it costs and why your homeowners policy is not enough.
business insuranceEvent planners need liability, professional liability and often liquor coverage, and venues increasingly ask for proof before anyone sets foot inside. Here is what event planner insurance covers, plus one-day event insurance for hosts and vendors.
business insuranceBox 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.
business insuranceNorth Carolina sets its workers compensation threshold at three employees, which catches growing Charlotte businesses at exactly the wrong moment.
business insuranceA 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.
business insuranceGeorgia 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.
business insuranceMichigan'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.
business insuranceNew 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.
business insuranceAn 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.
business insuranceA 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.
business insuranceCommercial 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.
business insuranceA landscaper works on somebody else's land with equipment that throws objects and chemicals that drift. General liability alone does not answer either of those.