26 articles
Browse 26 independent guides about business insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
How small businesses can offer health insurance for 2027: group plans, QSEHRA and ICHRA compared, what coverage costs, the SHOP tax credit, and the November 15 to December 15 window that waives participation rules.
On September 3, 2026, CMS and the SBA renamed the individual coverage HRA (ICHRA) the CHOICE Arrangement. The rules did not change. Here is how it works, the pros and cons for employers and employees, ICHRA vs QSEHRA, and the new 10.22% affordability test for 2027.
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.
Being named an additional insured gives someone else limited coverage under your policy. Here is what that means, how it differs from a named insured, certificate holder and loss payee, and how the endorsement works.
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.
In a fully insured plan the insurer pays claims; in a self-insured plan your employer does. Here is how each works, what level funding and stop-loss are, and why it matters to employees.
A certificate of liability insurance is a one-page summary of a business's coverage. Here is how to read the ACORD 25 box by box, how to get one, and why it proves less than people think.
A waiver of subrogation stops your insurer from suing someone else to get its money back. Here is what that means, why clients and landlords insist on it, and what it costs you.
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.
