Food truck insurance uses several different insurance policies to cover food trucks, other business property, employees, and other liabilities. Most food truck businesses need more than one type of insurance coverage, including commercial vehicle insurance and general liability. Basic food truck insurance costs start around $2,000 annually but increase significantly for broader coverage. Food truck…
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5 Best Photography Insurance Companies
Photographers and videographers usually have three options for getting insurance. The two most common are insurance carriers that create their own policies and brokers who can sell policies from several carriers. The third option is getting insurance through a professional trade association, which can be the most affordable but typically requires membership. Our list for…
A (Blessedly) Brief History of Workers’ Compensation
Workers’ compensation as we know it in the United States is a relatively new mandate, but its origins go back thousands of years. Present-day workers’ compensation insurance pays for medical care, lost wages, and rehabilitation services when an employee is injured while performing work duties. How exactly does this differ from the original forms of…
5 Best Painting Insurance Companies
The best painting insurance companies offer painters the coverage they need at a fair price. However, every painting business is unique, so figuring out what that looks like for your operations can be tricky. We evaluated dozens of painters insurance providers based on their coverages, typical premiums, and online experiences to identify the five best….
What Is Foreign Workers’ Compensation Insurance?
For many businesses, daily work means functioning on a global scale with employees stationed remotely or traveling for business. Just like employees working in the United States, these employees need workers’ compensation coverage in case they’re injured while performing work duties. This is where foreign workers’ compensation insurance comes in. How Foreign Workers’ Compensation Coverage…
Photography Insurance: Cost & Coverage
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. Insurance for photographers costs around $250 to $2,800 per year, depending largely on the number of policies you need, but also your clientele, venues, and…
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, painters insurance costs between $300 to $3,000 annually depending on the policies purchased. One of the best ways to find affordable painters insurance is to compare offers…
5 Best Beauty Salon Insurance Companies
Beauty salons can offer a wide range of services, and that makes getting the right insurance difficult. Salon owners need to look for carriers that can cover their operations for an affordable premium. We evaluated dozens of beauty salon insurance companies to see what they had to offer and came up with the five best….
What Are Workers’ Comp Class Codes?
Workers’ comp class codes are numeric codes that represent the risks occupations face. The insurance industry uses these codes to categorize businesses by how risky their operations are so that carriers can estimate the cost of insuring them more accurately. Most states use the classification system created by the National Council on Compensation Insurance (NCCI),…
Hair Salon Insurance: Cost & Coverage
Hair salon insurance refers to the business policies salon, barbershop, and spa owners typically purchase. The most common hair salon policy is general liability, which covers claims your business caused injury, property damage, or reputational harm. Salon insurance costs around $400 to $3,500 per year, depending on how many policies they need. Cost isn’t the…
5 Best Handyman Insurance Companies
When it’s time to buy handyman insurance, you want to look for carriers that have experience writing policies for the industry. They will be the providers most likely to get you the appropriate coverage at the best price. We reviewed dozens of insurance companies can came up with the five best for small handyman businesses….
Handyman Insurance: Costs & Coverage
Handyman insurance refers to insurance policies that protect tradespeople who perform general maintenance and repairs for people and businesses. At the very least, handymen need general liability to cover legal fees if a client sues for injuries or property damage. Handyman liability insurance usually costs between $800 and $1,500 per year. One of the best…