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All Business Insurance Articles - Page 5

20 Insightful Insurance Statistics

By Virginia Hamill on September 11, 2020 | Business Insurance, Insurance, Statistics

People might think that insurance is boring, but the industry is a cornerstone for businesses, homeowners, and everyday consumers. Check out these insurance statistics to see just how this industry is growing and changing. 8 Insurance Industry Statistics About Premiums They say you can’t put a price on peace of mind. Clearly, they’re wrong because…

6 Best Ecommerce Insurance Companies

By Virginia Hamill on September 4, 2020 | Business Insurance, Buyer's Guide, Insurance

Small business owners want to work with reliable ecommerce insurance carriers that offer quality coverage at an affordable rate and can scale with their business. We compared more than 15 carriers on criteria, including costs, policy options, and online features to come up with the six best ecommerce insurance companies. Top 6 Ecommerce Insurance Companies…

10 Tips for Lowering Workers’ Comp Premiums

By Virginia Hamill on September 2, 2020 | Business Insurance, How To, Insurance, Tip List

Workers’ compensation insurance is one of the most expensive policies small business owners can buy. Depending on their state, industry, and other factors, some business owners may pay as much as $80 per $100 of payroll for coverage. However, you can take steps to reduce your costs. Here are 10 tips for lowering your workers’…

Landscaping Insurance: Definition, Cost & Providers

By Virginia Hamill on August 26, 2020 | Business Insurance, Insurance, Ultimate Guide

Landscaping insurance, or lawn care insurance, is a group of policies that protect your business’s assets. The most common lawn care business insurance policy is general liability, which pays for nonemployees’ injuries and property damage. Landscapers’ general liability insurance starts around $500 per year. However, most landscapers need additional policies, and that increases the overall…

What Is an Additional Insured?

By Virginia Hamill on August 21, 2020 | Business Insurance, Insurance, What is

Additional insured endorsements are amendments to insurance policies that extend limited coverage to entities not already named on the policy. Typically, the additional insured is a person or organization that could benefit from the protections the policy offers like companies that hire contractors. As an additional insured, the hiring company is protected if the contractor…

Cyber Liability Insurance: Cost, Coverage & Who Needs It

By Virginia Hamill on August 20, 2020 | Business Insurance, Insurance, Ultimate Guide

Cyber liability insurance protects businesses from losses or damage caused by cyberattacks and data breaches. These expenses can include data restoration, extortion, legal fees, and regulatory fines. Costs vary depending on your risk factors and the coverage you choose, but small businesses with moderate risk can usually pay around $1,500 per year for cyber insurance….

8 Best Workers’ Compensation Insurance Companies

By Jaclyn Moriarty on August 20, 2020 | Business Insurance, Buyer's Guide, Insurance

The best workers’ compensation insurance companies in 2020 provide more than just excellent coverage. They seek to train employers on safety and make the process of buying and paying for workers’ compensation insurance easy. We reviewed several top-rated workers’ compensation carriers to give you the best eight from which to choose. Top Workers’ Compensation Insurance…

Workers’ Comp Penalties for Noncompliance

By Virginia Hamill on August 12, 2020 | Business Insurance, Insurance, What is

States that mandate employers carry workers’ compensation insurance—which is every state but Texas—penalize business owners who fail to comply with regulations. These workers’ comp penalties range from daily fines to jail time, depending on the offense and state law. Some even allow injured employees to sue for compensation if their employers don’t carry coverage. Perhaps…

What Does Professional Liability Insurance Cover?

By Jaclyn Moriarty on August 11, 2020 | Business Insurance, Insurance, What is

Professional liability insurance protects small business owners in claims they made an error or omission while performing professional duties. Generally, this policy covers financial losses due to unintentional acts of negligence rather than liability for bodily injury or property damage. Professional liability policies cover accusations over honest mistakes as well as meritless allegations from customers….

Workers’ Compensation Claims: Which Injuries Are Covered?

By Jaclyn Moriarty on August 11, 2020 | Business Insurance, Insurance, What is

Workers’ compensation insurance covers workplace injuries and illnesses. Certain types of injuries aren’t covered while others fall into a grey area. If an injury or occupational illness is sustained while you are performing the duties required by your job, it’s probably covered. For example, you fall off a ladder at work and break your leg….

Daycare Insurance: Coverage, Top Providers & Costs

By Virginia Hamill on August 7, 2020 | Business Insurance, Insurance, Ultimate Guide

Daycare insurance is coverage for businesses in the childcare industry. Policies can cover business-owned property and liability risks that come with caring for children. Depending on the coverage, annual costs of daycare insurance range from $400 to $1,350 for in-home childcare businesses and from $1,000 to $3,500 for commercial daycare centers. To get your daycare…

Monopolistic Workers’ Compensation States

By Virginia Hamill on August 3, 2020 | Business Insurance, Insurance, What is

FI - Workers' Compensation Insurance

Every state has its own way of running its workers’ compensation insurance system. Four in particular―North Dakota, Ohio, Washington, and Wyoming―are monopolistic workers’ compensation states because they do not allow business owners to purchase coverage from private carriers. Instead, employers must get workers’ compensation insurance from the state. What Is a Monopolistic State? A monopolistic…

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