Nathan Weller

Business interruption coverage, sometimes referred to as loss of business income insurance, is small business insurance that provides your business with monetary compensation when—because of a covered loss—your business cannot operate. The coverage is normally part of a business owner’s policy (BOP) and is very rarely available as a standalone policy. No matter how hard…

Profit margins for restaurants can be razor thin, so when shopping for insurance, it is important to find quality, affordable coverage. Using our proprietary rubric, we evaluated over 16 different insurers and determined the five best restaurant insurance companies. : Best restaurant insurance provider Simply Business: Best for comparing quotes online : Best for cheap…

Having a positive experience with your small business insurance comes down to how you manage risk at the workplace. How effective are you at managing the risks your employees face? We’ve read through public and private sector reports to find the most insightful workplace injury statistics to help improve your understanding of workplace risks and…

General liability insurance does not provide enough coverage for businesses like auto repair shops, dealerships, tow truck drivers, and service stations—these businesses need garage liability insurance. While garage insurance is similar to general liability, it comes with provisions for third-party bodily injury and property damage from garage operations and vehicles in the business’ care, custody,…

Restaurant insurance is a policy, or combination of policies, that protects restaurants from financial harm. This harm can be to your property or the financial stability of your company from a lawsuit brought by a third party for different types of losses (e.g., a lawsuit related to food poisoning). The most common type of policy…

Builder’s risk insurance is a specialized commercial property insurance available as a stand-alone policy or as an endorsement. It covers damage to a building project or a renovation during construction and ends when the project is completed. Policies usually cover named perils like fire, theft, and weather events. Builder’s risk insurance costs will usually run…

Every state except South Dakota and Texas requires employers to offer workers compensation (and there are exceptions even for those two states). When considering workers’ comp coverage, small business owners should look for insurance companies that offer preventive services to reduce risk, a smooth premium audit process, and a strategy to help injured employees return…

Hiscox is a small business insurance company with coverage for hundreds of professions. The company’s roots go back to 1901, but in the last 10 years, it has focused on offering insurance directly to policyholders via its online quote and bind system. Its primary offerings are general liability, professional liability, cyber security, and commercial property…

Business owners who need insurance for a landscaping business typically look for an insurer with high limits, responsive claim services, and fast turnarounds on certificates of insurance (COIs). It is also important to find landscapers insurance companies willing to cover all the work involved in professional lawn care, including chemical treatments. Using our proprietary rubric,…

For those who contract within the construction industry, the best contractor insurance companies sell customized policies that reflect the specific risks of the industry, offer risk management, maintain a 24/7 emergency line, and—most importantly—provide the ability to change, update, and create a certificate of insurance (COI) as quickly as possible. Using our proprietary rubric, we…

The AM Best financial rating gives you a good idea of the financial stability of an insurance carrier. It is given by AM Best, a financial credit rating agency that focuses specifically on insurance companies and issues ratings on a carrier’s financial strength. The History of AM Best AM Best was founded by Alfred Magilton…

Digital broker Obie specializes in landlord insurance, rental property insurance, and coverage for real estate investors. Obie’s quote process is simple and quick. You can get a quote and purchase a policy online easily in minutes. Its insurance is offered in all 50 states and Washington, D.C., distinguishing it from many other providers that are…