18 articles
Business insurance guides for small businesses covering general liability, professional liability, workers comp and more.
Drone 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.
Event 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.
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.
A 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.
Small businesses usually need more than one policy, and contracts often dictate which ones. This section explains the policies, what they cost, and what clients, landlords and lenders will ask you to prove.
Start here. The business insurance checklist lists every policy a small business is likely to need and when each one matters. Sole traders should read business insurance for sole proprietors, and anyone budgeting for a new venture should see start-up business insurance costs.
By trade. Some businesses carry unusual risks. We cover catering, landscaping, event planning, drones, box trucks and consultants and other trades.
Vehicles and higher limits. Commercial auto insurance cost explains why quotes vary so widely, and business umbrella insurance shows how to buy extra liability limits cheaply.
Contracts and paperwork. Clients often require a certificate of liability insurance, additional insured status or a waiver of subrogation. Our guides explain what each one means before you sign.
State guides cover Florida, Georgia, Illinois, Michigan, New Jersey, Pennsylvania and Charlotte, North Carolina, including workers’ compensation thresholds and local rules.
These guides explain how coverage works. A licensed commercial agent or broker can match policies and limits to your contracts.
