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All Insurance Articles - Page 17

How to Find Cheap Small Business Insurance

By Kimberlee Leonard on February 14, 2019 | Business Insurance, How To, Insurance

business owner looking for cheap small business insurance

Finding cheap small business insurance is possible if you take a systematic approach. Determine what suits your company’s risk needs, get an idea of realistic pricing, then find out who the top carriers are in your area. Learn what exclusions there are with inexpensive business insurance so that you aren’t left with an uncovered claim….

Freight & Cargo Insurance: Cost, Coverage, & Providers

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

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….

Engineer & Architect Insurance: Cost, Coverage, & Providers

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

Architects and engineers need insurance to cover risks specific to their businesses, such as negligence claims for design flaws. While there’s no single engineer and architect insurance policy, business owners can match common commercial policies to their risks. Professional liability insurance and a business owner’s policy (BOP) usually costs $2,000 to $4,150 annually. Architects and…

Medical Malpractice Insurance: Cost, Coverage & Providers

By Virginia Hamill on January 8, 2019 | Business Insurance, Insurance, Ultimate Guide

Medical malpractice insurance is a professional liability policy designed for physicians and other medical professionals. Policies cover accusations that their negligence caused a patient’s injury or death. Medical malpractice insurance costs vary by state and specialty. Premiums start at $4,000 but can go up to $34,000 or more with typical costs around $10,000 per year….

Fitness Studio Insurance: Cost, Coverage, & Providers

By Kimberlee Leonard on January 7, 2019 | Business Insurance, Insurance, Ultimate Guide

Fitness studio insurance covers the company’s existing and future assets from accidental injuries, equipment theft, and lawsuits for misleading promises of fitness success. Several different policies such as general liability, workers’ compensation, and business property might be required to cover the most common risks. Fitness studio owners should expect to pay approximately $2,500 annually. Get…

DJ Insurance: Cost, Coverage & Providers

By Virginia Hamill on January 4, 2019 | Business Insurance, Insurance, Ultimate Guide

Disc jockey (DJ) insurance isn’t a specific policy. The term refers to all the policies that protect professional DJs against business losses related to expensive equipment or stemming from interactions with hosts, party guests, and venues where they work. Depending on the carrier, DJ liability insurance typically costs between $200 to $400. makes getting DJ…

Insurance for Interior Designers & Decorators: Cost & Providers

By Megan Hanna on November 12, 2018 | Business Insurance, Insurance, Ultimate Guide

Interior designer insurance is a Business Owner’s Policy that offers affordable coverage for property damage and personal injury, with costs averaging $1,200 per year. Interior designers should also consider professional liability coverage, which costs about $1,735 per year, as well as commercial auto insurance at a cost of $750 – $1,200 per vehicle. The Hartford…

Electrician Insurance Cost, Coverage, & Providers

By Megan Hanna on November 12, 2018 | Business Insurance, Insurance, Ultimate Guide

Electrician insurance refers to policies protecting against financial loss resulting from property damage, workplace injuries, income loss, and vehicle accidents in work trucks. Electricians may need multiple policies to provide full coverage, but can save using a Business Owner’s Policy (BOP). Electrical contractors usually pay an annual average of $500 to $1,006 for a BOP….

Media Liability Insurance: Cost, Coverage & Providers

By Megan Hanna on November 12, 2018 | Business Insurance, Insurance, Ultimate Guide

Media liability insurance is a type of specialized errors and omissions insurance. It protects authors; publishers or broadcasters; advertising or PR agencies; and other media professionals if they’re sued for defamation, invasion of privacy, plagiarism and related claims. Policies may cost as low as $500, but average around $2,500. We’ve reviewed five policies here. If…

Types of Surety Bonds: Understand the 4 Main Surety Bond Types

By Evan Tarver on August 21, 2017 | Business Insurance, Insurance, Ultimate Guide

Surety bonds are purchased by principals to protect third-parties from a failure to meet contractual obligations. There are 4 main types of surety bonds. Contract surety bonds and commercial surety bonds protect private and public interests and are the most common. Fidelity surety bonds and court surety bonds protect against theft and litigation and are…

Self-Insurance: Definition & How It Works

By Christy Hopkins on May 20, 2017 | Health Insurance, Human Resources, What is

self insurance

Self-insurance (also known as self-funding) allows small business owners to create and manage their own insurance plans, without being subjected to the restrictions and costs of working with larger traditional insurance carriers. However, self-insurance does come with a high level of risk and liability. We want to preface this article by stating that self-insurance is…

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