Occupational and speech therapist insurance is a combination of insurance policies therapists can use to cover their office and practice while assisting children or adults with development or recovery speech therapy. Insurance for occupational therapists starts at $500 per year for general liability and increases with other coverages for business property or commercial auto. Finding…
About the Author
Kimberlee Leonard
Kimberlee Leonard joined Fit Small Business as a finance and business insurance staff writer in 2018. She brings with her over 20 years of experience between being a financial consultant, insurance agency owner, and content marketing agency owner. Always a writer, Kimberlee has published articles in a wide range of print and digital publications. Kimberlee now finds herself enjoying the Hawaiian tradewinds with her dog Arky who prefers to sit rather than walk. She lives on Oahu with her son, Matthew.
Disability Insurance: Cost, Coverage & Providers
Disability insurance is a form of income protection that can cover up to 90% of an employed person’s income on a short- or long-term basis, regardless of how they became injured or disabled. Coverage starts at $300 per year but someone should expect to pay 1% – 3% of their annual income for a policy….
Food Truck Insurance Cost, Coverage & More
Food truck insurance uses several different insurance policies to cover food trucks, other business property, employees, and other liabilities. Most food truck businesses need more than one type of insurance coverage, including commercial vehicle insurance and general liability. Basic food truck insurance costs start around $2,000 annually but increase significantly for broader coverage. Top Food…
Trade Show Insurance: Cost, Coverage & Providers
Trade show insurance is a specialized liability policy for exhibitors during a trade show or expo. Trade show producers expect to be named insureds on policies that typically have a minimum of $1 million in liability protection. Single event costs start at $150, but businesses that participate in many shows every year may save with…
California Workers’ Compensation Insurance: Top Providers & Rules
California law requires every business with one or more employees to carry workers’ compensation insurance. California workers’ compensation insurance covers employee expenses due to work-related illness or injury and pays their lost wages. Employees who need workers’ comp can expect to pay between $0.40 and $19.68 per $100 of payroll expense. If you need workers’…
6 Best Commercial Property Insurance Companies 2019
The best commercial property companies offer tailored policies meeting the unique needs of business owners. Policies include owner-occupant, landlord risks, tenant risks, and various business property risks. We reviewed more than 20 of the top commercial insurance companies and narrowed it down to the top six based on their ability to serve small business owners….
Security Guard Insurance: Definition, Cost, Features, & Providers
Security guard insurance covers security companies and sole proprietors for general liability, professional liability, business property, and workers’ compensation. While a security guard company can get all policies at one carrier, there are multiple policies that make up security guard insurance. The total minimum premium for all required policies starts around $6,000 annually. Security Guard…
Maryland Workers’ Compensation Insurance: Providers, Rules & More
Workers’ compensation laws in Maryland requires any employer with one or more employee maintains a workers’ compensation policy to pay costs associated with employees getting hurt performing job duties. Maryland is a competitive state where the state fund, Chesapeake Employers’ Insurance Company competes with private carriers. We recommend The Hartford for any small businesses that…
Veterinarian Insurance: Cost, Features & Providers 2019
Insurance for veterinarians covers the risks of caring for animals, dealing with pet owners, and running a medical facility with expensive equipment and pharmaceuticals. Veterinarian insurance is more than one policy, combining general liability, business equipment, malpractice and often animal bailee policies. Costs for the proper coverage and mix of policies is about $6,000. If…
Colorado Workers’ Compensation Insurance: Providers, Rules & More
Colorado workers’ compensation insurance requires that any employer with one or more employees must maintain a policy that pays medical expenses and partial wage-replacement for injuries on the job. Colorado small businesses should expect to pay an average of 95 cents per $100 of payroll for workers’ comp. Rates vary extensively based on job duties…
New York Workers’ Compensation Insurance: Top Providers & Rules
New York workers’ compensation insurance pays for medical costs, medications, rehabilitation services, and lost wages when an employee is injured at work. Workers’ compensation insurance New York costs an average of $3 to $3.49 per $100 of payroll costs paid. Premium rates vary per business type, past claim history, and carrier. Small business owners can…
How to Get Business Insurance for Your Small Business
Deciding how to get business insurance is sometimes difficult. There isn’t one small business insurance policy covers everything a business owner needs. Individual business needs vary. Find an insurance company that becomes a partner by helping you evaluate your business risk, define the right policies to purchase, and establish the right coverage limits. If you…
