Nathan Weller

Dance studio insurance is a policy, or combination of policies, that protects your business against liability claims and first-party losses. Dance studios should consider a business owner’s policy (BOP), which combines liability and property. Dance instructor insurance policies for private dance instructors or independent contractors are general liability and professional liability. For a studio, policies range from $350 to over $6,000 annually. Whether you own a dance studio or are an individual instructor, can provide multiple quotes with different coverage levels in less than 10 minutes. After selecting the policy that best fits your business, you can purchase it online and instantly have proof of insurance. Dance Studio Insurance Costs Several factors impact the cost of dance instructor insurance, including: The value of property and equipment: If you teach dance classes at clients’ homes and have mats and music equipment, then your costs will be much lower than a large studio with a 3,000-square-foot facility. The number of students: The higher your enrollment, the higher the cost of the premium. Some carriers will charge a flat fee per student during peak enrollment, on top of additional fees. Whether you join competitions: If your studio has a team that travels to competitions or rents spaces for performances, then insurers will account for this added risk. The claim and financial history: Insurers will want to know if, in the past three to five years, you have had a claim or filed for bankruptcy. It’s important to answer questions honestly and provide as much information about your business to the provider. This allows it to not only properly calculate premiums but also charge you for the right level and type of coverage. Insurance Coverage Types for Dance Instructors Dance instructors need a combination of policies to fully protect their business. Best Dance Studio Insurance Providers When evaluating providers offering insurance for dance studios and instructors, we factored in the limit, whether accident insurance was offered, and the ease of adding additional insureds for event venues. : Best overall provider for dance studio insurance : Best for dance competitions : Best dance instructor insurance : Best for affordability : Best for price options : Best for rented dance studios : Best BOP Next Insurance: Best Overall for Dance Studio Insurance offers three different levels of coverage for dance studios, and each corresponds perfectly to varying types of dance professions: instructor, small studio, or large studio. These options, combined with an instant certificate of liability, make Next the best provider of dance studio insurance. K&K Insurance: Best for Dance Competitions developed a policy package for dance studios that includes off-site competitions and demonstrations and includes accident and medical expense coverage automatically. If your studio has a team that competes or you have regular recitals off-site, this is the best provider. Thimble: Best for Dance Instructor Insurance If you’re an independent dance instructor, either employed by a studio or teaching seasonally, is the best provider for you. The licensed broker offers general and professional liability for dance instructors, with coverage available for less than a month for seasonal dance instructors. Insurance Canopy: Best for Affordability Commercial insurance premiums, like everything else, are continuing to increase in price. But offers a very affordable policy for dance instructors without sacrificing quality in customer service or the actual product offered. CoverWallet: Best for Price Options Online broker is a one-stop shop for small business insurance solutions. After answering custom questions depending on your industry and the type of insurance needed, you’ll very quickly have multiple quotes from different providers. Hiscox: Best for Rented Dance Studios offers professional liability, general liability, and a BOP for dance instructors. It developed policies tailored specifically for instructors who visit client homes or are employed by dance studies. It also offers insurance for dance apparel retail stores. The Hartford: Best for BOP is the best provider of small business insurance and excels at developing products fit for different industries. Its business owner’s policy is highly customizable, including adding professional liability and comes with business income insurance. So if something causes the studio to unexpectedly close, you can file a claim for the lost income. Bottom Line Whether you’re a dance instructor or own a dance studio, you need protection against all possible sources of loss. With the right policies, dance instructor insurance will make sure you, your customers, and your employees are taken care of. If you’re a dance instructor or studio owner, then Next Insurance, a small business insurer, can offer you the right coverage at the right price. It can structure multiple policy packages for your business needs.

Insurance for veterinarians covers the risks of caring for animals, dealing with pet owners, and running a medical facility. It is a combination of multiple policies, including general liability, malpractice, commercial property, and animal bailee insurance. The average cost for these policies can range from $4,300 to $8,300. The best veterinary insurance provider should offer your business all the coverage you need—with the right limits. has a custom quote process where you can select what coverages and limits are right for your business in minutes. Veterinarian Insurance Costs The premium will range depending on the coverage selected, the type of work you do, and whether you own or rent a building. An equine veterinarian or one who works with large or exotic animals will likely pay more than one who cares for small domestic pets. When seeking a quote, be prepared to answer questions, such as: Do you travel for your practice? Do you work with exotic animals? Do you own the building or rent it? What is the value of your tools and equipment? How many employees work for you? What is your annual and projected revenue? Providers use questions such as those to assess the risk of your practice and determine the appropriate rate and the suitable amount of coverage for your business. Veterinarian Insurance Coverage Types Veterinarians have multiple risk exposures. If they own or rent a clinic, they’ll need first-party property coverage for their building and equipment. Depending on the size of the practice, additional coverage will be needed too. The most important insurance for veterinarians are: Commercial property: First-party protection for your building and property General liability: Third-party insurance for property damage, bodily injury, and reputational harm Veterinarian malpractice: Third-party coverage against claims that you didn’t do their job or gave bad advice Animal bailee: Protection if an animal gets hurt or runs away while in your custody Workers’ compensation: Protection for your employees who become injured or ill because of their jobs Best Veterinarian Insurance Providers We looked for insurers that offered high limits, appropriate coverage, and clear instructions on how to handle a loss to help you find the best veterinary insurance provider for your business. : Overall best veterinarian insurance provider : Best for small animal clinics : Best for large animal clinics and hospitals : Best for vets dealing with large animals : Best for professional liability The Hartford: Best Overall Provider for Veterinarian Insurance is the best provider for veterinarian insurance because it offers high limits and a 24/7 claim service. Also, it was the only provider reviewed that included animal bailee insurance with its policy. Next Insurance: Best for Small Animal Clinics offers a custom BOP for veterinary practices. Because of the lower limits and affordable cost, coupled with the convenience of the Next platform, this is an ideal choice for smaller animal clinics. Nationwide: Best for Large Animal Clinics & Hospitals offers 24/7 claim services, a wide range of coverages, and high limits, making it the right choice for larger clinics or animal hospitals. AVMA PLIT: Best for Vets Dealings with Large Animals The American Veterinary Medical Association founded the Professional Liability Insurance Trust (AVMA PLIT) in 1962. offers a wide range of policies for veterinarians of all types of practices, including those dealing with large animals and equine. If you work with large or non-traditional animals, such as horses, this is the best provider for your practice. CoverWallet: Best for Professional Liability is an online marketplace that provides online quotes from multiple carriers for a wide range of different coverage, including professional liability. Because professional liability is so important for veterinarians, this provider is a great platform to shop for that specific coverage. Frequently Asked Questions (FAQs) Bottom Line Veterinarian insurance protects a practice from financial loss if there’s a claim for first- or third-party damage. Several policies combine to create the complete vet insurance package. While vets vow to protect animals, veterinarian insurance protects their practice from loss, accidents, and liability claims. makes buying insurance easy. Its BOP combines general liability and property and can include animal bailee coverage at an affordable price.

Business owners wanting to keep workers’ compensation costs down need to reduce compensable injuries among their employees. One of the best ways to do that is to address risk exposures. To help you reduce injuries, we’ve compiled the six most common workplace injuries with tips on how to avoid them. This list is compiled from the most recent data available from the United States Bureau of Labor and Statistics (BLS). In 2021, employers reported 2.6 million nonfatal workplace injuries and illnesses—a decrease of 1.8% in 2020. 1. Exposure to Harmful Substances or Environments In 2019, this workplace injury category had the sixth most incidents reported, with 36,840 cases. However, because of the COVID-19 pandemic, this went from sixth to first, with 424,360 incidents reported in 2020[1] that led to time away from work. This category includes exposure to: Electricity Temperature extremes Air and water pressure change Radiation and noise Other harmful substances, including infectious diseases, such as COVID-19 The largest impacted sector was service (378,940), followed by manufacturing (35,800). The average for workers’ compensation costs for burn claims from 2019 to 2020 was $54,173. 2. Overexertion & Bodily Reaction Formerly occupying the first spot, this category moved into number two in 2020, with 255,490 incidents categorized as overexertion and bodily reaction. While this has held the top spot for nearly a decade, incident rates have been falling in this category since 2012, when there were reported to be 333,420 incidents. The high incident rate is understandable because overexertion can be the result of a single event, repetitive motions, or holding a position over a prolonged period. For example, carpal tunnel syndrome, which you can get from using a keyboard and mouse, is classified as a repetitive motion disorder. Other workplace actions that can lead to this injury include: Using tools on a construction site Loading trucks Lifting inventory Moving patients Sitting at a desk Standing at an assembly line Bending or twisting The median days away from work as a result of this injury was 14. The goods-producing industry had the highest incident rate with 57,060, while manufacturing had 34,170 incidents. Workers’ comp claims of injuries from a strain average $35,292, while cumulative injuries cost around $32,745. 3. Falls, Slips & Trips Small business owners usually worry about general liability insurance for slip and fall claims, but these are a big risk for employees too, as it is one of the most common work-related injuries. According to the BLS, falls, slips, and trips caused 211,640 incidents that led to missed work in 2020. The BLS classifies this incident into falling to a lower level (49,250 incidents), falling on the same level (127,680 incidents), and slipping or tripping without actually falling (30,160 incidents). Being high up in a company doesn’t prevent you from falling to another level—120 top executives fell to a lower level in 2020. Falls to a lower level are the fifth leading injury resulting in days away from work, with a median of 20 days. Meanwhile, falls greater than 11 feet resulted in a median of 180 days. The goods-producing industry, which includes manufacturing and construction, had a total amount of 49,620 fall incidents. In terms of fatalities, the construction industry accounts for 46.1% of fatal falls, slips, and trips. Slips are no joke—falls, slips, and trips cost an average of $48,575. 4. Contact With Objects or Equipment There were 196,140 incidents categorized as contact with objects or equipment—a significant decline from 2018’s 235,740 incidents. This is another broad category, which includes being struck by an object or equipment (110,320 incidents) and being caught in or compressed by an object or equipment (29,270 incidents). Examples of this type of incident are: Friction or pressure causing injury Collapsing structure causing injury Being squeezed, pinched, or compressed in equipment A moving object striking an employee An employee striking against, into, or onto an object Trade, transportation, and utilities was first with 67,170. Manufacturing had the second most incidents, with 39,430 cases, whereas construction was third, with 22,470 incidents of an employee being injured by coming into contact with an object or equipment. Contact with an object or equipment can lead to costly claims. Striking against an object cost $30,417, being struck averaged $39,977, and being caught in something cost $44,588. 5. Transportation Incidents While transportation incidents are fifth on the list with 41,010 incidents, it’s the most fatal workplace incident, with 1,038 deaths by roadway incidents alone. Transportation incidents aren’t limited to automobiles—the BLS also includes accidents involving: Aircraft Railways Animals Bicycles Watercraft Unsurprisingly, 10,520, or more than 20%, of the incidents are from the transportation and warehouse industries. Of the incidents reported, 8,990 were for the age range of 45 to 54 while 2,980 were for the range of 25 to 34. The most expensive incident, transportation claims have an average cost of $85,311. 6. Violence & Injuries Caused by Persons or Animals Unfortunately, workplace violence is a real problem. In 2020, the BLS reports there were 39,310 incidents of workplace violence. These included 20,050 incidents of intentional violence by another person and 7,620 incidents where the intent was unknown. On the upside, for the first time since this category started being tracked in 2011, incidents have decreased. The age group with the highest rate of incidents is 25 to 34 with 11,210 incidents, while the second highest is for the range of 35 to 44 with 7,050. In terms of industry, educational services reported the most, with 1,270 incidents. The subcategory with the highest median of days missed is that of “threat or verbal assault” with a count of 102. This puts into perspective how big of a toll something like verbal assault would take on an employee and on your workforce. While traumatic, this category wasn’t as expensive as some others, with an average of $24,375. The Cost of Workplace Injuries While decreasing the risk of injuries at work requires an investment by your business, you need to balance that with the expense of workplace injuries. The National Safety Council (NSC) estimates that workplace fatal and nonfatal injuries cost employers a total of $163.9 billion in 2020. This figure includes an estimated $44.8 billion for productivity loss and $61 billion for administrative costs. For the business owner, these numbers translate into: $1,100 per worker $1,310,000 per death $44,000 per medically consulted injury Time away from the job hurts the company. It’s estimated that 99,000,000 days were lost from injured workers in 2020—this figure includes injuries from previous years who are still missing work. Likewise, an estimated 50,000,000 days will be lost in the future from injuries suffered in 2020. How Safety Can Reduce Your Workers’ Compensation Costs The average cost of workers’ compensation insurance is $1.07 per $100 payroll. One of the best ways to keep workers’ compensation insurance costs down is to reduce workplace injuries. Many insurers offer discounts to small business owners who establish safety programs and train employees in best practices. Top workers’ compensation carriers offer risk mitigation programs, often for free, to help business owners reduce claims. Fewer claims directly impact the premium calculation through your experience modification rate (EMR). The EMR is a number used by carriers to represent your workers’ compensation claims history and is part of your premium calculation. Frequently Asked Questions (FAQs) Bottom Line Accidents happen in ways you didn’t anticipate. However, you can take steps to protect your employees from the most common workplace injuries they’re likely to face. Not only does this help control workers’ compensation costs, but it also keeps your workers safe. 1The specific data for this article is available at https://www.bls.gov/iif/nonfatal-injuries-and-illnesses-tables.htm and the National Safety Council’s injury cost site: https://injuryfacts.nsc.org/work/work-overview/work-safety-introduction/

The best cyber insurance companies offer a 24/7 hotline for cyber response and risk management services. We've reviewed 19 carriers using our proprietary rubric evaluating financial stability, customer satisfaction, convenience, and policies offered. Here are the five best providers: : Best overall provider for cyber insurance : Best for restaurants and retail businesses : Best cybersecurity resources : Best for security and Health Insurance Portability and Accountability Act (HIPAA) coaches : Best for online quotes Top Cyber Insurance Companies Compared The Hartford: Best Overall Provider for Cyber Insurance offers a 24/7 cyber claim hotline, multiple cyber risk resources, and varied policies for different-sized businesses. Add in its excellent customer service and the convenience of using its website, and it’s the overall best provider for cyber insurance. Chubb: Best for Restaurants & Retail Businesses Global insurer  has been writing cyber insurance for decades and continues to adapt the policies for the changing world, having introduced new endorsements in 2021. Its base policy includes payment card loss, making it the best provider for businesses like restaurants and retail, which process a lot of credit payments. Chubb has also developed a rapid response—making an investigation within five hours of a claim being reported. Hiscox: Best for Cybersecurity Resources has become a leading authority in cybersecurity, publishing its annual Cyber Readiness Report. It has used its experience to create numerous resources for policyholders to help prevent cyberattacks. One resource, Paladin Shield, has reduced claims by more than 50% for the policyholders that use it. Travelers: Best for Security & HIPAA Coaches specialty is in coaches, including coaches for businesses working with protected health information (PHI). It has HIPAA coach consultations as part of its cyber insurance package, making it ideal if your business is a staffing agency, a human resources (HR) consultancy, or in the health industry. CoverWallet: Best for Online Quotes is an online brokerage that allows you to obtain quotes from multiple companies at one time. Offering quotes for a wide variety of insurance, including cyber, it can provide you with quotes within 10 minutes or less. You can then select a policy, purchase it, and have immediate coverage. Methodology We determined the best cyber insurance companies with our in-house proprietary evaluation system. In evaluating them, we focused on the customer's needs. We paid particular interest to convenience, financial ratings (AM Best), customer service, types of policies offered, and the overall experience as a policyholder for a specific provider. Cyber Liability Insurance Frequently Asked Questions (FAQs) Bottom Line Cybersecurity requires proactive measures, including purchasing cyber liability insurance. After evaluating 19 carriers, we determined that The Hartford is the overall best provider. Its experts can help determine the right coverage for your specific business, so visit or call (888) 219-3051 today.

Electrical contractors will need an insurance company that is responsive and affordable and can provide enough liability and property coverage for their job. Using our proprietary rubric focusing on financial stability, customer satisfaction, convenience, and the policies offered, we surveyed 15 carriers to find the six best electrician insurance companies: : Best overall provider for electrician insurance : Best for surety bonds : Best for business resources : Best for affordability : Best for quick, comparable quotes : Best for coverage options Best Providers for Electrician Insurance Compared See fullscreen table × Read our in-depth guide to electrician liability insurance to find out what it covers and how much it typically costs. The Hartford: Best Overall Provider for Electrician Insurance excels in all categories: financial stability, customer service, convenience, and the policies offered. For electrical contractors, it has a wide range of coverage for your business: general liability, property, workers’ compensation, contractor equipment, and tools coverage. These are available through a quick, online quote. Nationwide: Best for Surety Bonds has great customer service and 24/7 availability. On top of that, it is licensed to sell surety bonds in all 50 states, making it the best provider for electricians who need a surety bond. Unfortunately, the process for obtaining an instant COI is unclear. Acuity: Best for Business Resources If you’re a new business or looking for additional support, provides many additional services beyond coverage to help make your business successful. It has attorneys who can review contracts for you, connects you with industry experts for consultation services, and even offers free Occupational Safety and Health Administration (OSHA) training. Progressive: Best for Affordability Offering affordable policies with additional discounts available, is the best for affordable electrician insurance. It offers a discount of up to 15% off your commercial auto insurance when you purchase a small business policy. Simply Business: Best for Quick, Comparable Quotes As an online broker, can provide multiple quotes from different top-rated carriers for electrician insurance. If you like seeing your options and getting a real-time comparison of prices and coverage, then it’s the best provider to check out. Next Insurance: Best for Coverage Options When you visit the page for electrician insurance offered by , you immediately see three different policy packages with the coverages and limits listed. When you get a quote, it will give you multiple options for coverage, giving you a highly customizable experience. Methodology We determined the best insurance for electricians with our in-house proprietary evaluation system. In evaluating insurance companies, we focused on the customer's needs, paying particular interest to convenience, financial ratings (AM Best), customer service, types of policies offered, and the overall experience as a policyholder for a specific provider. Bottom Line You don’t need to be in the dark about the best providers for electrician insurance, so we’ve done the hard work by reviewing 15 different carriers to find the six best for your business. The is the top-recommend provider because it has a custom policy for contractors, 24/7 availability, online policy management, and a strong financial position.

If your business is the victim of a cyberattack, you have to deal with costly expenses from data restoration, investigations, customer notifications, regulatory fines, and legal fees, among others. Cyber liability insurance can help mitigate the cost of the incident and provide legal counsel and defense. The estimated premiums for a cyber liability policy range from $250 to $2,287 annually. Because of the risk involved with a cyberclaim, it helps to speak with an insurance professional. can assess your business and cyber insurance needs and design a customized policy. Cyber Liability Insurance Cost Like all insurance, costs can have a wide range largely dependent on the level of risk of your industry and other factors, like your claims history. A small handyperson business with little customer data stored can expect to pay less than a small accounting firm that stores personal identifiable information (PII) for all of its customers. When getting a quote, be prepared to answer questions like: Data storage: Does your business store PII or personal health information (PHI)? If so, then what type of security measures do you have in place to protect the data? Annual revenue: Do you operate a high-revenue (and thus, high-risk) business, wherein customers may be at a greater risk of a breach? Policy terms: How wide do you need your coverage to be? Are you looking to get a policy with higher limits or lower deductibles? IT security: Do you have your own in-house IT department, or do you contract with a third party to run IT and IT security for your business? Data breach: Have you had any known data breaches in the past five years? Protection: What steps, like multifactor authentication (MFA) or data backup, does your business take to protect your data? Questions like these will help the insurer determine the risk of your business and provide an accurate premium for the right cyber coverage. Cost of a Cyber Liability Claim The insurer  conducts a yearly Cyber Readiness Report™ that involves a global survey of 5,000 professionals who handle cybersecurity for their businesses, including more than 900 from the United States. The results highlight the serious threat of cyberattacks and the importance of cyber liability coverage. Cyberattacks have increased by 7% since 2021 Roughly 47% of all US businesses have suffered a cyberattack in the past 12 months The median cost of an attack has increased from $10,000 to $18,000 this year Cybersecurity is so important that US businesses are more concerned about an attack than the COVID-19 pandemic or the US labor shortage. Cyber Insurance Coverage Coverage is usually divided into two categories: first-party and third-party. Because the loss is usually digital in nature, the categories are different from a typical commercial property and general liability policy. A cyber insurance policy helps pay the cost of an investigation or a credit monitoring service. Although many general and professional liability policies have a form of cyber coverage, business owners need to consider more comprehensive first-party cyber insurance because of the costs involved in investigating the loss and paying to notify anyone affected by the attack. If your business is in the IT or healthcare sector, you’re especially at risk for a costly loss. Let’s say your staffing agency suffers a cyberattack and personnel records, including PII, are obtained and leaked on the internet. First-party cyber liability policy coverage can help you hire an independent forensics expert to determine the extent and impacted parties, pay notification costs to the impacted parties, fund a goodwill campaign for your brand, and help mitigate the lost income while business operations are paused. If the temporary employees file a class action lawsuit, the third-party coverage will help your business retain counsel and attempt to negotiate a settlement within the limits of the policy. Coverage Options Many small businesses can get cyber insurance as a standalone policy or by adding it as an endorsement to their business owner’s policy (BOP). Insurers offer different levels and types of coverage, as well as endorsements to make the policy right for your business. Some common endorsements include: Computer fraud Damage to hardware PCI fines Vendors and off-site computers Paper records Data Breach Insurance vs Cyber Liability Insurance You may think these are the same—but that isn’t necessarily true. Data breach insurance can be narrower in scope and focused more on the cost and expenses of compromised data, such as if an employee leaves a laptop on the subway. Meanwhile, cyber liability is usually broader in coverage, including the cost of ransomware and extortion and business income. Many carriers make a distinction between the two and, like The Hartford, offer separate policies for both. Bottom Line The world is increasingly digital, and even brick-and-mortar businesses rely on the internet and cloud storage to ensure their operations run smoothly. Cyber liability insurance protects your business from losses or damage from cyber-attacks and data breaches. is a superb choice for your cyber insurance needs, with its cyber liability policies for small and larger businesses. Visit its website today to find out how it can help you protect your business.

Church insurance is several policies that, when combined, help protect churches from financial loss as the result of a first or third-party claim. Common insurance for churches are general liability, commercial property, and workers’ compensation. General liability for a church can range from $650 to more than $2,800 annually. When it comes to religious institutions, insurance providers have many elements to consider, such as volunteers, expensive equipment, counseling, and special events. It’s important to find a company with comprehensive church insurance coverage for everything your church does. has specialized insurance for religious institutions and is the overall best church insurance provider. Best Church Insurance Providers : Best overall for church insurance : Best for mission trips : Best for religious camps : Best for outreach events : Best for online quotes GuideOne: Best Overall Provider for Church Insurance Through its comprehensive package, FaithGuard, has developed an extensive list of coverages for churches that encompasses personal effects on mission trips to include volunteers as Insured on the policy. Brotherhood Mutual: Best for Mission Trips Because of its individual and group coverage options, quick response time to emergencies, and commitment to supporting missions, is the best provider for churches that go on mission trips regularly or those needing one-time mission trip coverage. Church Mutual: Best for Religious Camps is a member of three different camp associations and is the endorsed provider for insurance of one. It provides many free services to religious camps insured through it. This, combined with its widespread availability and years of experience, makes it the best choice for religious camp insurance. Great American Insurance Group: Best for Outreach Events To spread their message and attract members, many churches regularly host outreach events. Most providers require separate coverage for special events; however, includes special events as part of its general liability insurance for churches. This unique coverage, alongside its financial rating, products offered, and claims service, makes Great American the best provider for churches hosting outreach events. CoverWallet: Best for Online Quotes , an online broker, is the only provider on this list that offers online quotes for churches. In researching this article, it gave us six quotes for church insurance. If you want to compare prices and shop online, this is the best provider for your church. Who Needs Church Insurance Church insurance applies to all religious organizations: mosques, temples, synagogues, meditation centers, and churches. Any religious organization needs insurance to protect its assets from liability claims and damage claims for the organization’s property. Thinking broadly about church insurance, some less common organizations that may want insurance are Church startups: Not having a building doesn’t mean you don’t need insurance. If you’re meeting in a school, movie theater, or another church, general liability is essential. Meditation centers: Offering yoga, tai chi, or other group meditative practices should consider professional liability. Home churches: Regular home meetings in your church may not be covered under your homeowner's insurance, especially if donations are taken or professional services, such as counseling, are offered. Church Insurance Costs Churches pose a unique risk for insurance companies. The members function like customers and are sometimes paid employees. Other times, members are volunteer leaders. Add into that regular visitors in the building, volunteers teaching children, student leaders, and special events. Additionally, most churches have some form of audio-visual technology—and the larger the sanctuary, the more expensive the equipment. If they rent a space, all of this equipment needs to be set up and packed away, and stored every week, usually by volunteers. The age of your building and the size of the congregation also influence the premium. All of this, and more, are taken into account when a church is determining the premium for a church. Here are other factors taken into consideration by providers: Claims history: Have you filed a claim in the past three to five years? Services provided: Does your church offer counseling services or operate a food pantry? Property value: A 200-year-old stone church with stained glass windows will cost more to insure than a new building. Limits: While it may not impact the premium much, raising or lowering limits usually results in some change to the premium, as does the deductible amount. Most Common Types of Church Insurance & Coverages Bottom Line With money coming primarily from individual donations, the expense of a claim jeopardizes the existence of a religious organization. It’s important to take a balanced approach: manage risks and have the proper coverage. can help you do both and provides excellent claim and customer service.

The best general liability insurance companies offer a general liability policy with robust limits and endorsements that tailor the policy to a business’s specific industry. They also provide great customer service, convenience, quotes, and additional services like an instant certificate of insurance (COI). Using our proprietary rubric of financial stability, customer satisfaction, convenience, and policies offered, we evaluated 20 providers to find the six best general liability insurance companies. : Best overall for general liability : Best for marketing businesses : Best for agribusiness : Best for delivery businesses : Best for price options : Best for fast quotes Commercial General Liability Insurance Providers Compared The Hartford: Best Overall for General Liability Insurance has over 200 years of writing insurance in the ever-changing US market. It has also developed a quoting system that will create a policy for your specific industry. Because of its customizable quoting system, flexibility on limits, and great customer service, it’s the best overall provider for general liability insurance. Chubb: Best for Marketing Businesses Most policies have an aggregate limit, meaning the total amount the policy will pay out in a term. has a separate aggregate limit for advertising and reputational harm liability. Because of this, along with its multiple options for liability, it’s the best provider for marketing or public relations (PR) firms. Nationwide: Best for Agribusinesses Most farms are small operations with an income of less than $350,000 annually. , since its founding in 1926, has been providing insurance to farmers and has developed a wide range of policies to fit different types of agribusiness operations. Progressive: Best for Delivery Businesses Because of its strong financial rating, quality customer service, and established commercial auto services, is the best general liability provider for small businesses with a fleet of vehicles. CoverWallet: Best for Price Options As an online broker, can provide quotes from multiple carriers. If you want to be able to compare prices and liability policies at the same time, this is your best option. CoverWallet is also one of the best providers for affordable general liability. Thimble: Best for Fast Quotes states that you can get insurance in 60 seconds. Visit its website, answer about 10 questions, and get a quote for a policy you can purchase. If you need liability insurance immediately, Thimble provides the fastest quote of any provider in this guide. Methodology We determined the best general liability insurance companies by using our in-house proprietary evaluation system. In reviewing 20 different companies, we paid particular interest to convenience, financial ratings (from AM Best), customer service, types of policies offered, and the overall experience as a policyholder for a specific provider. Frequently Asked Questions (FAQs) What is general liability insurance? General liability insurance protects your business from claims of negligence that result in third-party property damage, bodily injury, and advertising or reputational harm. Because of the general type of risk it protects your business from, it’s important coverage for every industry. How much does general liability insurance cost? Depending on the industry and risk, premiums for general liability vary widely—but expect to pay $300 to $3,200 annually for liability. Some of the best general liability insurance companies will bundle liability with property, which can result in savings. Do I need general liability insurance? It depends on your state and the profession. Typically, workers’ compensation insurance is the only required insurance, but some niches, such as HVAC technicians, often require active liability insurance to be certified. The cost of not having insurance is far riskier for your business than the price of having the policy. Bottom Line General liability insurance is a critical part of a successful business as it offers protection from claims of negligence. The best commercial general liability insurance has the limits you need with endorsements to provide as broad a coverage as possible for your business. is our best general liability insurance provider. Get a quote today.