Professional photographers and videographers need photography insurance to protect their assets from the cost of lawsuits and property damage. Typically, that means having general liability, professional liability, and equipment coverage. Insurance for photographers costs around $250 to $2,800 per year, depending largely on the number of policies you need, but also your clientele, venues, and…
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Painters Insurance: Cost & Coverage
Painters insurance includes several policies, such as general liability and commercial auto. Some painters may also need surety bonds, property insurance, and workers’ compensation. For a one-person business, painters insurance costs between $300 to $3,000 annually depending on the policies purchased. One of the best ways to find affordable painters insurance is to compare offers…
5 Best Beauty Salon Insurance Companies
Beauty salons can offer a wide range of services, and that makes getting the right insurance difficult. Salon owners need to look for carriers that can cover their operations for an affordable premium. We evaluated dozens of beauty salon insurance companies to see what they had to offer and came up with the five best….
What Are Workers’ Comp Class Codes?
Workers’ comp class codes are numeric codes that represent the risks occupations face. The insurance industry uses these codes to categorize businesses by how risky their operations are so that carriers can estimate the cost of insuring them more accurately. Most states use the classification system created by the National Council on Compensation Insurance (NCCI),…
Hair Salon Insurance: Cost & Coverage
Hair salon insurance refers to the business policies salon, barbershop, and spa owners typically purchase. The most common hair salon policy is general liability, which covers claims your business caused injury, property damage, or reputational harm. Salon insurance costs around $400 to $3,500 per year, depending on how many policies they need. Cost isn’t the…
5 Best Handyman Insurance Companies
When it’s time to buy handyman insurance, you want to look for carriers that have experience writing policies for the industry. They will be the providers most likely to get you the appropriate coverage at the best price. We reviewed dozens of insurance companies can came up with the five best for small handyman businesses….
Handyman Insurance: Costs & Coverage
Handyman insurance refers to insurance policies that protect tradespeople who perform general maintenance and repairs for people and businesses. At the very least, handymen need general liability to cover legal fees if a client sues for injuries or property damage. Handyman liability insurance usually costs between $800 and $1,500 per year. One of the best…
Janitorial & Cleaning Business Insurance: Cost & Coverage
Janitorial insurance is a group of policies cleaning businesses purchase to cover their risks and protect their assets. Every cleaning business from residential maid services to commercial janitorial companies needs business insurance, but which policies they buy and how much their coverage costs depends on their business operations. Cleaning business insurance costs for a small…
5 Best Janitorial & Cleaning Business Insurance Companies
Getting the right cleaning business insurance for your company requires comparing policy options from top carriers that know your industry. That’s the best way to ensure you get the right amount of coverage for your business without overpaying. Taking that into account, we settled on these five cleaning insurance companies as the best: : Best…
Quick Guide to Product Liability Insurance
Product liability insurance covers a business’s financial loss by paying for the business’ legal fees if its product harms a consumer. Policies typically pay for lawyer bills, court awards, and even the injured party’s medical bills if the business is found liable. Product liability insurance costs vary, but premiums generally run between 15 cents and…
Insurance Industry Bracing for Historic Change in 2021
Insurance is saddled with an unfair reputation of being stodgy and unchanging, but the truth is that the events of one year often impact how the industry works in the future. Business owners who identify the circumstances of 2020 that might influence their coverage can better prepare for 2021 and beyond. Insurers Predict $107 Billion…
What Is a Return-to-Work Program?
A return-to-work program is a plan business owners put in place to help injured employees return to productive roles with the company as soon as they are medically able. This usually means creating temporary light-duty assignments workers can perform while they recuperate. Benefits for Return-to-Work Program Experts generally agree that a workers’ comp return-to-work policy…