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….

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 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…

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…

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….

Workers’ compensation insurance is a policy that pays for employees’ medical bills and lost wages if they suffer work-related injuries or illnesses. Oregon laws make business owners get coverages when they have one or more full- or part-time employee. The average cost of workers’ compensation in Oregon has dropped for seven straight years and is…

Workers’ compensation insurance is state-mandated coverage that pays employees’ medical bills and part of their lost wages if they suffer on-the-job injuries or occupational illness. In Washington, D.C., business owners with one or more employees must carry workers’ compensation insurance and cost an average of 51 cents per $100 of payroll. Top D.C. Workers’ Compensation…

Nanny insurance is a group of business policies designed for individuals who care for children. Whether they work out of their home or someone else’s, nannies’ policies like general liability and professional liability to protect their assets in case they are sued. Nanny insurance typically costs between $200 and $1,400 per year. Unfortunately, nannies can…

Insurance for veterinarians covers the risks of caring for animals, dealing with pet owners, and running a medical facility with expensive equipment and pharmaceuticals. Veterinarian insurance is more than one policy, combining general liability, business equipment, malpractice and often animal bailee policies. Costs for the proper coverage and mix of policies is about $6,000. If…

Colorado workers’ compensation insurance requires that any employer with one or more employees must maintain a policy that pays medical expenses and partial wage-replacement for injuries on the job. Colorado small businesses should expect to pay an average of 92 cents per $100 of payroll for workers’ comp. Rates vary extensively based on job duties…

Cargo insurance pays the value of shipments, up to coverage limits, when shipments are lost or damaged. Businesses that ship goods need cargo insurance, but those with infrequent shipments can get coverage for single shipments. Small business owners typically insure cargo through the shipper. This usually costs $.60 per $100 of the shipment’s insured value….