Limited liability company (LLC) insurance refers to policies LLC owners buy to protect their business assets. Different policies protect against different risks, but LLC insurance typically includes coverage for a business’s liability and its property. Most LLCs can combine these coverages in a business owner’s policy (BOP) that costs between $350 to $900 per year,…
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Freight & Cargo Insurance: Cost, Coverage & Providers
Cargo insurance pays the value of shipments, up to coverage limits, when shipments are lost or damaged. Certain businesses that ship goods need cargo insurance, but those with infrequent shipments can get coverage for single shipments. Small business owners typically insure cargo through the shipper. Some major shipping companies, such as FedEx, UPS, or the…
7 Best Photography Insurance Companies for 2022
Photographers and videographers usually have three options for getting insurance: insurance carriers that create their own policies, brokers who can sell policies from several carriers, and professional trade associations, which can be the most affordable but typically require membership. Our picks for the seven best photography insurance companies include examples of all three: : Overall…
Personal Trainer Insurance: Cost, Coverage & Providers
Personal trainer insurance refers to a group of policies designed to protect a personal trainer’s business assets. One policy almost all trainers need is general liability, which covers the costs of common lawsuits business owners face. Personal trainers usually need professional liability coverage in addition to general liability, which together may cost around $1,240 to…
Food Truck Insurance: Cost & Coverage
When considering food truck insurance coverage, you may need several different insurance policies to cover your truck and other business property, employees, and additional liabilities. In general, most food truck businesses do need more than one type of insurance coverage. Basic food truck insurance (commercial auto and general liability) starts at $3,260 annually but increases…
7 Best Food Truck Insurance Companies for 2022
When insuring your food truck business, work with a carrier that understands your coverage needs and can identify and cover your particular business risks. Consider affordability, choice of providers, and customer service when selecting a provider. We evaluated brokerages that specialize in food truck insurance, carriers with years of experience, and companies that provide multiple…
Photography Insurance: Cost & Policy Types
Professional photographers and videographers need photography insurance to protect their assets from the cost of lawsuits and property damage. Typically, that means having general liability, professional liability, and equipment coverage. General liability and professional liability insurance for photographers typically costs between $1,250 to $2,300 per year, depending largely on the risks attributed to your line…
6 Best Painting Insurance Companies for 2022
The best painting insurance companies offer painters the coverage they need at a reasonable price. You’ll want to look at different levels of coverage based on the size of your business and the type of projects you work on. For example, do you work on big office buildings, apartments, or houses or do you only…
Painters Insurance: Cost & Coverage
Painters insurance includes several policies, such as general liability and commercial auto. Some painters may also need surety bonds, property insurance, and workers’ compensation. For a one-person business, the total cost for a business owner’s policy (BOP) with commercial auto is between $1,170 to $3,500 annually, depending on whether the type of work is interior,…
7 Best Handyman Insurance Companies for 2022
When it’s time to buy handyman insurance, it’s important to look for carriers that have experience with coverage most important to your line of work, such as general liability and commercial auto. They’ll also be the providers most likely to get you the appropriate coverage at the best price. We reviewed dozens of insurance companies…
Handyman Insurance: Coverage & Costs
Basic handyman insurance coverage includes commercial auto and general liability to cover legal fees if a client sues for injuries or property damage. Usually, handyman insurance for both general liability and commercial property costs anywhere from $250 to $1,500 per year. One of the best ways to save money on handyman insurance is to compare…
7 Best E-commerce Insurance Companies for 2022
Small business owners should look for e-commerce insurance carriers that offer quality coverage at an affordable rate and can scale with their business. We compared more than 15 carriers on costs, policy options, online features, and more to come up with the seven best e-commerce insurance companies. Top 7 E-commerce Insurance Companies CoverWallet: Overall Best…