Retail insurance refers to the various insurance policies retail businesses need in order to cover the liability they face in their day-to-day operations. Most small business retailers need, at a minimum, general liability and commercial property insurance, and can expect to pay at least $1,000 – $2,000 per year in combined premiums. Finding the right…
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Publisher’s Liability Insurance Cost, Coverage & Providers
Publisher’s liability insurance is a specialized errors and omissions policy designed for publishers of books, magazines, newspapers, blogs, and other kinds of media. The policy covers their legal costs if they’re accused of negligence, plagiarism, defamation, or copyright infringement. Small publishing operations can usually get publisher’s liability insurance for $300 – $1,600 per year. Hiscox…
Variable Life Insurance: What It Is + Pros and Cons
Variable life insurance is a type of permanent coverage that provides death benefits to your beneficiaries plus cash value that grows during the life of your policy. This cash value can be used to increase your death benefit, cover premium payments, or be withdrawn as needed. Variable life insurance typically starts around $75 per month….
Boiler and Machinery Insurance: Single Policy Options
Boiler and machinery insurance provides coverage for small-business owners who lease or own property for both physical damage and financial losses resulting from key equipment breakdowns. This coverage can be structured as a standalone policy or imbedded in existing business policies. Standalone policies are highly specialized with unique premiums suited to individual business risks. Boiler…
6 Best Commercial General Liability Insurance Companies 2019
Small business owners want to work with commercial general liability insurance companies that are reliable and can offer quality coverage at an affordable rate. We compared more than 20 carriers on criteria including costs, policy options, and online availability to come up with the top six commercial general liability insurance companies. Top Commercial General Liability…
Equipment Breakdown Coverage: Cost, Coverage & Providers
Equipment breakdown coverage protects your business from the costs and loss of income resulting from sudden damage and malfunction of vital business equipment. This insurance includes coverage for furnaces, HVAC systems, refrigeration systems, diagnostic machines, and computer equipment. Small business insurance policies with elected equipment breakdown coverage typically start around $800 annually. Equipment breakdown coverage…
Commercial Property Insurance: Cost, Coverage & Providers
Commercial property insurance covers the building that houses a business along with office equipment, inventory, signs, and machinery in owned or leased locations. Small business owners may consider commercial building insurance as a standalone lessors risk policy exclusively for the building or combine other coverage with typical annual costs starting around $750. Top Commercial Property…
Plumbers Insurance: Costs, Coverage, & Top Providers
Plumbers insurance is a collection of business policies that cover the risks plumbers typically face. One of these policies is general liability insurance, which covers damages resulting from accidents that cause other people harm. When general liability is combined with commercial property insurance, plumbers insurance costs between $700 and $2,400 per year. Hiscox offers some…
Day Care Insurance: Cost, Coverage & Top Providers
Daycare insurance, also called childcare insurance, is designed to meet the unique needs of businesses in the childcare industry, whether they offer in-home care or run a commercial daycare center. Depending on coverage, annual costs of daycare insurance range from $250 – $800 for in-home childcare businesses to $400 – $2,000 for commercial daycare centers….
15 Best Small Business Insurance Companies 2019
The best small business insurance companies offer basic policies, such as general liability, and a broad range of additional coverages that small business owners may need. We reviewed dozens of providers and narrowed them down to our top 15 based on key criteria like coverage types, customer service, and pricing. The Hartford: Best Overall Small…
Occupational & Speech Therapist Insurance: Cost, Coverage & Providers
Occupational and speech therapist insurance is a combination of insurance policies therapists can use to cover their office and practice while assisting children or adults with development or recovery speech therapy. Insurance for occupational therapists starts at $500 per year for general liability and increases with other coverages for business property or commercial auto. Finding…
Disability Insurance: Cost, Coverage & Providers
Disability insurance is a form of income protection that can cover up to 90% of an employed person’s income on a short- or long-term basis, regardless of how they became injured or disabled. Coverage starts at $300 per year but someone should expect to pay 1% – 3% of their annual income for a policy….
