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All Business Insurance Articles - Page 9

Who Needs Professional Liability Insurance?

By Virginia Hamill on January 27, 2020 | Business Insurance, Insurance, What is

The people who need professional liability insurance are usually business owners who make a living by providing advice or services to others. Because these individuals have specialized knowledge and present themselves as authorities, they are exposed to accusations that their mistakes led to financial losses for their clients. Professional liability covers these claims. How Professional…

Professional Liability Insurance: Cost, Coverage & Providers

By Virginia Hamill on January 15, 2020 | Business Insurance, Insurance, Ultimate Guide

errors and omissions insurance

Professional liability insurance, also known as errors and omissions insurance, covers claims that a business made mistakes or was negligent when providing expert advice or professional services. The cost of professional liability starts around $400 but can exceed $8,000 annually depending on several factors, such as industry type and coverage limits. Getting the right errors…

Washington Workers’ Compensation Insurance: Laws, Rules & More

By Jaclyn Moriarty on January 14, 2020 | Business Insurance, Insurance, What is

Workers’ compensation insurance is required in most states to pay employees’ medical bills and wage replacement after a workplace injury or illness. In Washington, workers’ compensation insurance is required for all employers with one or more employees. Washington is unique because it’s a monopolistic state, which means employers must purchase coverage through the state fund….

Georgia Workers’ Compensation: Top Providers, Rules & More

By Jaclyn Moriarty on January 13, 2020 | Business Insurance, Insurance, What is

Georgia workers’ compensation laws mandate employers with three or more employees must carry workers’ comp insurance to pay for employees’ medical treatment and lost wages when they experience a work-related injury or occupational illness. On average, Georgia employers pay between $1.08 per $100 of payroll for workers’ compensation insurance. Georgia Workers’ Compensation Insurance Providers Employers…

Professional Liability Insurance for Consultants

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

Professional liability insurance for consultants offers protection in lawsuits over the professional services they provide. Policies cover third-party claims that your business made costly errors or omissions by paying for your legal defense. Annual premiums for a professional liability policy can range from $500 to $1,400, depending largely on industry and coverage amount. is a…

What Does General Liability Insurance Cover?

By Jaclyn Moriarty on December 19, 2019 | Business Insurance, Insurance, What is

General liability insurance is a fundamental business policy covering risks inherent in most operations, namely harm to third parties. Many insurers write general liability on standardized forms, making coverage similar across carriers. Understanding standard general liability insurance coverage can help you manage risks and identify other necessary policies. Most business owners get general liability insurance…

New Jersey Workers’ Compensation Insurance: Top Providers, Rules & More

By Jaclyn Moriarty on December 13, 2019 | Business Insurance, Insurance, What is

Workers’ compensation insurance pays for employees’ medical expenses and lost income when they experience a work-related injury or occupational illness. Most states require workers’ comp by law. New Jersey requires all employers with one or more employees to carry workers’ compensation, and they typically pay at $1.42 per $100 of payroll. New Jersey Workers’ Compensation…

Crime Insurance: Cost, Coverage & Providers

By Virginia Hamill on December 12, 2019 | Business Insurance, Insurance, Ultimate Guide

person filinf out crime insurance paperwork

Commercial crime insurance is a specialized coverage that pays for losses resulting from criminal acts, including employee dishonesty, and third-party fraud. It covers an important gap in commercial property insurance and is essential in certain industries that face a greater risk for crime, such as retail and financial advisors. Standalone crime insurance costs between $240…

Ohio Workers’ Compensation Insurance: Rules and Coverage

By Kimberlee Leonard on December 12, 2019 | Business Insurance, Insurance, What is

Workers’ compensation insurance pays medical expenses and lost wages when employees are injured during work. In Ohio, workers’ compensation insurance can only be purchased through the Bureau of Workers’ Compensation, not through private insurers. Rates vary based on payroll, job descriptions, and claims history, but there is a $120 application fee. Even though Ohio is…

Pilates & Yoga Insurance: Cost, Coverage & Carriers

By Kimberlee Leonard on December 12, 2019 | Business Insurance, Insurance, Ultimate Guide

pilates and yoga insurance

Yoga insurance is a group of commercial policies that cover anything from a studio fire to student injuries to negligence claims. Each policy covers different risks associated with Pilates or yoga practices. Depending on the coverage types and limits you select, Pilates and yoga teacher insurance costs range between $100 and $400 per year. Whether…

Workers’ Compensation Insurance Requirements by State

By Jaclyn Moriarty on November 26, 2019 | Business Insurance, Insurance, Ultimate Guide

Forty-nine states require most employers to carry workers’ compensation insurance. Texas is the only state that gives employers the choice to offer coverage. Rules vary, so it’s important to research workers’ compensation insurance requirements by state. Some states require workers’ comp for every business and others base the requirement on the number of employees. What…

Professional Liability Insurance for Nurses: Definition, Cost, Features & Providers

By Lisa Tamilia on November 14, 2019 | Business Insurance, Insurance, Ultimate Guide

Professional liability insurance for nurses is coverage designed to protect those in the nursing profession against claims arising out of their duties. It covers accusations of errors and omissions in the course of a nurse’s work. Pricing options vary, but a typical professional liability insurance policy for nurses costs $80 to $1,000 per year. For…

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