Nathan Weller

While the majority of insurance coverages in Texas are not required, small business owners should still consider purchasing commercial insurance for their businesses to provide financial protection against claims of negligence while helping your business during periods of downtime or with first-party property damage. We will cover what is required and what is not, the…

Cleaning business insurance are policies that cover the risks associated with your business and protect your assets and equipment. The price depends on your business, but cleaning business insurance costs vary from $500 to $4,500 per year for general liability. Estimated Cleaning Business Insurance Costs When evaluating your company, insurers will take some of the…

Small business insurance coverage are policies that protect a business and its assets against claims—such as fire, theft, customer slip and fall, workers’ compensation, professional errors, and data breaches. It can be a single policy, such as general liability, or a combination of policies, such a business owner’s policy (BOP), commercial auto, and workers’ compensation….

Exclusions are provisions in the insurance policy for events, acts, types of damage, property, or locations that are not covered. While general liability insurance covers accidents and mishaps that can happen during business operations, there are general liability exclusions in policies that you should be aware of so that you can try to avoid instances…

Products-completed operations coverage pays for injuries or property damage caused by a business’ products or operations. As a subset of general liability, businesses can either get this coverage through their general liability policy, a business owner’s policy (BOP), or a standalone policy. It is essential for contractors, service providers, and businesses manufacturing, distributing, or selling…

General liability insurance covers small businesses for financial losses due to third-party claims of bodily injury, reputational injury, or property damage to others. It is an essential liability coverage for all businesses, given that all businesses are exposed to these types of risks. If you’re looking for general liability insurance for your business, working with…

A surety bond is a financial coverage guaranteeing the performance of contractual obligations or legal compliance by the party who purchases it. A bond can be requested, legally required, or purchased to show reliability. Surety bonds can serve many purposes, but the ones available are dependent on the project and specific industry. The Hartford is…

Public liability insurance protects a business if a third party, like a customer, claims they were injured or have property damage because of the insured business. In the U.S., public liability is an older form of liability that most insurance companies no longer offer, having rolled its coverage into the broader commercial general liability (CGL)…

Without commercial general liability (CGL) insurance, you’d have to pay for claims out of pocket. Fortunately, a general liability insurance policy can mitigate those expenses when they arise. However, when evaluating premiums and even determining insurability, insurers will consider a number of factors, including your claim history, so it is in your interest to do…

A workers’ compensation dividend plan, or participating plan, is a way for employers to take part in the profits earned by their insurers. Basically, dividend plans reward employers for having fewer claims, and many employers choose them to save on their workers’ compensation insurance. How Workers’ Compensation Dividend Plans Work A workers’ compensation dividend plan…

Preparing for a workers’ comp audit is an easy way to minimize stress. In this article, we will review the audit process and provide you with a general idea of what you can expect during an audit. The following steps can help you get ready, and the downloadable workers’ comp checklist can help your business…

Vacant home insurance covers homes that are unoccupied for an extended period. It typically costs 50% to 60% more than your traditional home insurance policy, or around $2,170 yearly. Vacant home insurance costs more than traditional home insurance because unoccupied properties have a higher risk of exposure to weather damage, theft, and vandalism. We evaluated…