Nathan Weller

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…

Workers’ compensation insurance is a helpful policy for employers because it covers medical bills, rehabilitation costs, and lost wages for employees who are injured on the job or experience a work-related illness. In most states that require coverage, workers’ comp also protects the employer from employee lawsuits related to workplace injuries or illnesses. The price…

Commercial property insurance is an important business policy that either replaces or repairs damaged commercial property. Different types of commercial property insurance cover different types of property, such as tools and equipment or the printers in an office. Business owners who own a building, furniture, or equipment should strongly consider purchasing it. Commercial property insurance…

Insurance for rental property protects the landlord’s property from damage or loss of income, and also guards against liability. Location and property type both influence what you pay for coverage. Typically, and on average, insurance coverage for a rental property will cost between $1,200 and $1,600 for a condo on the West Coast. Meanwhile, the…

The common risks associated with owning a rental property are protected by vacation rental insurance. This policy is similar to a homeowner’s policy: it provides coverage for the structure, contents, and liability, plus income loss protection. Vacation rental policies can range from $1,740 to $2,820 a year for a small, single-family home. For a quick…

Cargo insurance, a form of inland marine insurance, is an important part of protecting the global supply chain. It pays the value of shipments, up to coverage limits, when shipments are lost, stolen, or damaged. Certain businesses that ship goods need cargo insurance, but those that ship infrequently can get coverage for single shipments. Small…

Commercial crime insurance is an insurance policy for losses to your business because of criminal acts, such as employee theft or third-party fraud. Commercial crime coverage can be bundled with an existing commercial property policy or purchased as a stand-alone policy. Stand-alone crime insurance costs between $650 and $2,500 yearly. Getting crime insurance online quickly can be…