26 articles
Page 2 of 3 of our guides about business insurance: plain-English explainers, worked examples and tips for comparing insurance coverage.
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.
Florida sets workers compensation thresholds that differ by industry, and its property market is unlike anywhere else. Both change how a small business should buy.
Illinois requires workers compensation from the first employee and has a privacy statute that has produced enormous claims against ordinary businesses using fingerprint clocks.
Workers compensation from the first employee, with criminal penalties for going without. Everything else is driven by contracts and landlords rather than by law.
New ventures pay more because there is no loss history to price against. What each coverage costs at the start, what triggers the next one, and what falls away with time.
The policy that matters most changes completely with the trade. What consultants, caterers and landscapers actually need, and where umbrella cover fits.
