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All Business Insurance Articles - Page 13

D&O Insurance: Cost, Coverage & Providers

By Kimberlee Leonard on May 13, 2019 | Business Insurance, Insurance, Ultimate Guide

Directors and Officers (D&O) insurance covers the costs of legal defense, damages, or settlements if directors or officers of a company are sued for alleged wrongful acts. It protects those who could be held personally responsible for private companies, nonprofits, and educational institutions, and typically costs about $3,000 per year for $1 million in coverage….

Certificate of Liability Insurance: How to Request + Sample

By Virginia Hamill on May 9, 2019 | Business Insurance, Insurance, What is

A certificate of insurance (COI), sometimes called a certificate of liability insurance, is a one-page document that summarizes your coverage and can be used as proof of insurance. The form includes policy details such as coverage limits and effective dates, so business owners can find and share them easily without revealing other, more private information….

Captive Agent vs Independent Agent: Which Is Right for You?

By Virginia Hamill on May 7, 2019 | Business Insurance, Insurance, Versus

The main difference between a captive agent vs independent agent is the number of insurance carriers they represent. Captive agents are paid by a single insurance carrier and can only sell its policies, while independent agents work for themselves and represent multiple carriers. Independent agents often charge higher fees but offer broader product selection. Captive…

Equipment Breakdown Coverage: Cost, Coverage & Providers

By Kimberlee Leonard on April 26, 2019 | Business Insurance, Insurance, Ultimate Guide

Equipment breakdown coverage protects your business from the costs and loss of income resulting from sudden damage and malfunction of vital business equipment. This insurance includes coverage for furnaces; heating, ventilation, and air conditioning (HVAC) systems; refrigeration systems; diagnostic machines; and computer equipment. Small business insurance policies with elected equipment breakdown coverage typically start around…

Commercial Property Insurance: Cost, Coverage & Providers

By Kimberlee Leonard on April 25, 2019 | Business Insurance, Insurance, Ultimate Guide

Commercial property insurance covers the building that houses a business along with office equipment, inventory, signs, and machinery in owned or leased locations. Small business owners may consider commercial building insurance as a standalone lessors risk policy exclusively for the building or combine other coverage with typical annual costs starting around $750. Top Commercial Property…

Ocean Marine Insurance: Coverage, Cost & Providers

By Virginia Hamill on April 17, 2019 | Business Insurance, Insurance, Ultimate Guide

Ocean marine insurance is a group of policies business owners need when their operations involve maritime activities like shipping items via foreign or domestic waters. Policies can cover the cargo, the ship, or the shipowner’s liability when operating the vessel. Ocean marine insurance for cargo typically costs 0.1% to 2% of the cargo’s value. offers…

Trade Show Insurance: Cost, Coverage & Providers

By Kimberlee Leonard on April 15, 2019 | Business Insurance, Insurance, Ultimate Guide

Trade show insurance is a specialized liability policy for exhibitors during a trade show or expo. Trade show producers expect to be named insureds on policies that typically have a minimum of $1 million in liability protection. Single event costs start at $150, but businesses that participate in many shows every year may save with…

Products-Completed Operations Coverage: What It Is & Who Needs It

By Virginia Hamill on April 15, 2019 | Business Insurance, Insurance, What is

Products-completed operations coverage pays for injuries and property damage caused by a business’ products or operations. This coverage is included in standard general liability insurance and is essential for contractors, service providers, and businesses that manufacture, distribute, or sell goods. Products-completed operations coverage usually costs from $400 to $600 annually as part of a general…

California Workers’ Compensation Insurance: Top Providers & Rules

By Kimberlee Leonard on March 20, 2019 | Business Insurance, Insurance, Ultimate Guide

California law requires every business with one or more employees to carry workers’ compensation insurance. California workers’ compensation insurance covers employee expenses due to work-related illness or injury and pays their lost wages. Employees who need workers’ comp can expect to pay $1.70 per $100 of payroll expense. California Workers’ Compensation Insurance Providers Small business…

Security Guard Insurance: Definition, Cost, Features, & Providers

By Kimberlee Leonard on March 11, 2019 | Business Insurance, Insurance, Ultimate Guide

Security guard insurance covers security companies and sole proprietors for general liability, professional liability, business property, and workers’ compensation. While a security guard company can get all policies at one carrier, there are multiple policies that make up security guard insurance. The total minimum premium for all required policies starts around $6,000 annually. Security Guard…

Nevada Workers’ Compensation Insurance: Top Providers & Rules

By Virginia Hamill on March 8, 2019 | Business Insurance, Insurance, Ultimate Guide

Workers’ compensation insurance is state-mandated coverage that pays expenses associated with on-the-job injuries and occupational illnesses. Workers’ comp typically covers partial lost wages, medical bills, and survivor benefits. In Nevada, employers are required to carry workers’ comp when they have one or more employees and pay an average of 93 cents per $100 of payroll….

Maryland Workers’ Compensation Insurance: Providers, Rules & More

By Kimberlee Leonard on March 8, 2019 | Business Insurance, Insurance, Ultimate Guide

workers' compensation insurance maryland

Workers’ compensation laws in Maryland requires any employer with one or more employee maintains a workers’ compensation policy to pay costs associated with employees getting hurt performing job duties. Maryland is a competitive state where the state fund, Chesapeake Employers’ Insurance Company competes with private carriers. Maryland Workers’ Compensation Insurance Top Providers Different workers’ compensation…

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