Nathan Weller

Thimble is an online-based managing general agent (MGA) for small business insurance. This means it has the authority to do its own underwriting while working with a number of top-rated carriers. So, it can generate quotes in hardly any time and bind the policy for same-day coverage. It offers insurance for more than 300 different…

Simply Business is an online insurance brokerage connecting small businesses with over 15 top business insurance providers. Its focus is on businesses with five or fewer employees, including startups. It is licensed to offer insurance in 50 states, and after you purchase a policy, it gives you access to your policy documents. It is one…

Painters insurance is one or several policies you purchase to protect your business from the financial loss that can result from a claim. The two most common types of painters insurance are general liability, which protects your business against claims that your operations caused harm or damage to a third party, and inland marine, which…

A business liability waiver that outlines the risks and rights being waived and is in compliance with state law can help protect your business from lawsuits. While your business can still be sued, the waiver serves as part of your defense that the plaintiff waived their rights. However, there are cases where the waiver may…

Photography insurance coverage is a policy, or combination of policies, that protects your photography or videography business from claims of negligence or damage to your equipment and property. For equipment, inland marine is the most important coverage, and this can cost $200 to $2,500 annually. General liability insurance, the most common insurance policy for a…

The main difference between an insurance broker vs carrier is that an insurance carrier creates and services the insurance policy, whereas a broker helps a customer find the best policy among multiple carriers at the best possible rate. Carriers are responsible for maintaining the insurance contract, or policy, and responding appropriately and in a timely…

Personal and advertising injury coverage protects your business against claims, typically involving an infringement on a third party’s rights or intellectual property. It can cover libel, slander, and copyright infringement. Coverage is included in a commercial general liability (CGL) policy and, in the event of a claim, provides defense up to your coverage limits. How…

ERGO – Next Insurance is a small business insurance company that sells policies directly to customers online while also working with agents. It offers the core coverages of general liability, professional liability, business owner’s policy, and workers’ comp insurance for more than 1,300 different types of businesses. Policies can be obtained online without speaking to…

Limited liability company (LLC) insurance is a set of policies that LLC owners buy to protect their financial assets. Each policy covers a different type of risk, but the most common ones include general liability and commercial property. The combined policies that make up LLC insurance can cost anywhere from $450 to $1,200 annually, depending…

Handyman insurance is a combination of policies, the most common ones being commercial property and general liability. These coverages provide protection for your business against property loss and legal fees if you’re sued for injuries, have to pay for property damage, or replace your property. General liability and commercial property handyman insurance costs anywhere from…

An experience modification rate (EMR) is a multiplier insurance companies use to help set workers’ compensation premiums. Insurers determine your EMR by looking at your workers’ comp claims history and potential for future injuries compared to others in your industry. Businesses with lower EMRs pay less for workers’ compensation insurance. EMRs commonly range from 0.48…

CoverWallet is an online business insurance brokerage that connects small businesses with more than 10 top-rated carriers to provide multiple insurance options. It’s licensed to offer insurance in all 50 states and has an online account that allows users to manage all their policies in one place. In our evaluation of the best brokers for…