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Landlord Insurance: Definition, Cost, Features & Providers

By Kimberlee Leonard on June 19, 2019 | Business Insurance, Insurance, Ultimate Guide

landlord insurance

Landlord insurance is a specific type of property insurance that protects landlords against any potential liability caused by residential tenants. Properties can include houses, condos, or apartments. Typically, a landlord insurance policy is 20% – 30% more expensive than a homeowner’s policy. Comprehensive landlord coverage includes dwelling coverage, loss of rental income, and liability coverage….

Commercial Umbrella Insurance: Definition, Cost, Features & Providers

By Kimberlee Leonard on June 18, 2019 | Business Insurance, Insurance, Ultimate Guide

Commercial umbrella insurance provides businesses with added liability coverage when claims exceed the limits of certain primary insurance policies, such as general liability or commercial auto. Most umbrella policies provide an extra $1 million of coverage. The cost of commercial umbrella insurance varies, but most small businesses get annual coverage for $500 to $1,500. Commercial…

EPLI Insurance: Cost, Coverage & Providers

By Virginia Hamill on June 10, 2019 | Business Insurance, Insurance, Ultimate Guide

Employment practices liability insurance (EPLI) covers claims arising from employment-related issues such as wrongful termination, discrimination, and sexual harassment. EPLI insurance costs depend on several factors, including business size, employee turnover, and industry. Small businesses can get EPLI endorsements for as little as $300 annually, while standalone EPLI may cost $800 – $5,000 per year….

Pet Groomer Insurance: Cost, Coverage & Providers

By Kimberlee Leonard on June 3, 2019 | Business Insurance, Insurance, Ultimate Guide

Pet groomer insurance is a combination of insurance policies designed to protect brick and mortar or mobile pet groomers from third-party liability claims, business property losses, and potential injury, death, or loss of animals under their care. Pet groomer insurance policies including general liability, business property and workers’ compensation start around $4,000 annually. Understanding the…

BOP Insurance: Cost, Coverage & Providers

By Virginia Hamill on May 30, 2019 | Business Insurance, Insurance, Ultimate Guide

A business owner’s policy (BOP) packages general liability and commercial property into a single policy that covers businesses’ most common risks. BOPs are often more convenient and more affordable than purchasing these policies separately. On average, BOP insurance costs about $1,200 per year but can range from $350–$3,000. has been assisting small business owners get…

Contractor Controlled Insurance Program (CCIP): Cost & Providers

By Kimberlee Leonard on May 29, 2019 | Business Insurance, Insurance, Ultimate Guide

A Contractor Controlled Insurance Program (CCIP) is a specific insurance policy purchased by general contractors to coordinate general liability for construction projects. Also called wrap-up insurance, CCIPs are controlled by contractors rather than project development owners. The cost for a CCIP starts at 1% of the construction costs with policy durations extending past construction completion….

Commercial General Liability Insurance Cost, Coverage & Providers

By Kimberlee Leonard on May 28, 2019 | Business Insurance, Insurance, Ultimate Guide

commercial general liability insurance

Commercial general liability insurance (CGL) protects businesses from financial losses due to third-party claims for bodily injury or property damage, making it is one of the most important insurance policies any business will buy. Commercial general liability insurance costs vary, but the majority of small business owners pay between $400 and $600 per year. Getting…

Staffing Agency Insurance: Cost, Coverage & Providers

By Virginia Hamill on May 20, 2019 | Business Insurance, Insurance, Ultimate Guide

Staffing agency insurance is a set of business policies agency owners can purchase to protect their assets. Each policy covers different risks many employment agencies face by paying for the costs associated with them. At a minimum, most agencies need general liability to cover third-party injuries and property damage and cost $400 – $1,000 annually….

Commercial Flood Insurance: Cost, Coverage & Providers

By Kimberlee Leonard on May 16, 2019 | Business Insurance, Insurance, Ultimate Guide

Commercial flood insurance protects a business’ building and contents in the event of a flood. This specialty insurance protects against water damage that isn’t covered by other insurance policies. Federal Emergency Management Agency (FEMA)-backed pricing varies depending on where a business is in a flood zone but starts at $650 and can exceed $10,000 annually….

How to File Business Insurance Claims in 8 Steps

By Virginia Hamill on May 15, 2019 | Business Insurance, How To, Insurance

Business insurance claims are requests policyholders make to their insurance carriers after a loss or when a covered peril occurs. First, the policyholder demonstrates either the loss or peril happened, then the carrier investigates to determine if the event is covered. If it is, the carrier covers the policyholder’s expenses up to the policy limits….

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….

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