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6 Most Common Workplace Injuries & How to Avoid Them

By Virginia Hamill on July 2, 2020 | Business Insurance, Insurance, Tip List

Business owners who want to keep their workers’ compensation insurance costs down need to reduce work-related injuries. By minimizing injuries, employers can improve their claims histories, which can lower their rates and, sometimes, earn discounts from their insurers. We compiled this list of most common workplace injuries and added tips to help you reduce them….

9 Best Commercial Property Insurance Companies

By Jaclyn Moriarty on July 2, 2020 | Business Insurance, Buyer's Guide, Insurance

deciding commercial property insurance companies

The best commercial property insurance companies offer tailored policies to meet the unique needs of business owners. While looking for a commercial property insurance provider, business owners should look for comprehensive coverage, sound financial strength, and customizable options needed for your industry. We reviewed more than 20 of the top commercial insurance companies and narrowed…

Life Coach Insurance: Coverage, Providers & Cost

By Jaclyn Moriarty on July 2, 2020 | Business Insurance, Insurance, Ultimate Guide

Life coaches offer expert advice to individuals, so they need professional liability insurance in case they’re sued over their services. Policies typically cost between $400 and $1,800 annually, depending on your business size. Life coaches should also consider purchasing a business owner’s policy (BOP), which costs about $600 annually, as well as commercial auto insurance…

What Is a Coinsurance Clause?

By Virginia Hamill on June 29, 2020 | Business Insurance, Insurance, What is

FI - Coinsurance

Property insurance policies, whether personal or commercial, typically have a coinsurance clause that makes the policyholder responsible for some of the risk being insured. Many coinsurance clauses state that the policyholder must be insured for at least 80% of the property value, but the percentage ranges from 70% to 100%. How a Coinsurance Clause Works…

Food Vendor Insurance: Coverage, Providers & Cost

By Jaclyn Moriarty on June 8, 2020 | Business Insurance, Insurance, Ultimate Guide

Food vendor insurance refers to the types of coverage food vendors need to protect their businesses against financial loss from liability claims. The most common policies for food vendors are general liability and commercial property. Food vendor insurance costs start around $300 to $1,300 annually and can start as low as at $60 for single-day…

Best Commercial Truck Insurance Companies for Business

By Virginia Hamill on June 8, 2020 | Business Insurance, Buyer's Guide, Insurance

Business owners might assume that commercial truck insurance is only for the semitrucks used by owner-operators and motor carriers. However, all sorts of other businesses may have delivery vans and pickups that also need coverage. To help you find coverage, we evaluated more than 20 commercial truck companies to come up with our top six….

What Is Pay-As-You-Go Workers’ Comp Insurance?

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

Pay-as-you-go workers’ compensation is an insurance payment plan that bases your premium on your actual payroll. This is different from traditional plans that use projections to determine your costs and can result in an extra bill at the end of the policy. Choosing pay-as-you-go workers’ comp minimizes this risk and allows you to spread premium…

Wyoming Workers’ Compensation Insurance

By Virginia Hamill on May 21, 2020 | Business Insurance, Insurance, Ultimate Guide

Injured employee

Wyoming workers’ compensation is governed by the Department of Workforce Services, Division of Workers’ Compensation. The state requires almost every employer to provide coverage for their employees, with only a few occupations specifically excluded from coverage. Employers can only purchase workers’ comp insurance from the state, and they pay approximately $1.28 per $100 of payroll….

How to Prepare for Workers’ Comp Audits in 4 Steps [+Checklist]

By Virginia Hamill on May 21, 2020 | Business Insurance, How To, Insurance

Insurers that issue workers’ compensation insurance audit policies when they expire. They do this because initial premiums are usually based on an estimate of the policyholder’s payroll, and they need the actual payroll to charge the right amount. As a result, workers’ comp audits can be stressful for business owners because they may end up…

Church Insurance: Cost, Coverage & Top Companies

By Virginia Hamill on May 14, 2020 | Business Insurance, Insurance, Ultimate Guide

People praying

Like a business, churches need to protect their assets, but getting coverage isn’t as simple as asking an agent for church insurance. Instead, you need several policies, each designed for a specific risk. For instance, most churches need general liability in case a congregant suffers an injury. This policy typically costs between $500 to $1,500…

Workers’ Compensation Insurance: Requirements, Cost & Providers

By Jaclyn Moriarty on May 6, 2020 | Business Insurance, Insurance, Ultimate Guide

Workers’ compensation insurance is required in most states to cover medical bills, rehabilitation costs, and lost wages for employees who get injured or experience a work-related illness. Costs vary depending on factors such as your business’ location, industry, and payroll. Typically, small business owners pay $450 per employee in annual workers’ compensation premium. Getting affordable…

What Are Workers’ Comp Exemptions?

By Virginia Hamill on April 29, 2020 | Business Insurance, Insurance, What is

Even though most states require employers to carry workers’ compensation insurance in case their employees get hurt on the job, many offer workers’ comp exemptions for a variety of workers like independent contractors. Knowing which employees are exempt and how to get an exemption can ultimately help you save on your workers’ compensation insurance. Each…

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