All Insurance Articles - Page 3

Forty-nine states require most employers to carry workers’ compensation insurance. Texas is the only state that gives employers the choice to offer coverage. Rules vary, so it’s important to research workers’ compensation insurance requirements by state. Some states require workers’ comp for every business and others base the requirement on the number of employees. What…

Entertainment insurance is a group of policies that protects producers, crew, equipment, and filming locations from potential losses. Common policies include general liability, property, and media liability insurance. Small production companies can typically obtain general liability and film production insurance for under $1,000 annually. Buying a business owner’s policy (BOP), which bundles coverage, provides savings….

Professional liability insurance for nurses is coverage designed to protect those in the nursing profession against claims arising out of their duties. It covers accusations of errors and omissions in the course of a nurse’s work. Pricing options vary, but a typical professional liability insurance policy for nurses costs $80 to $1,000 per year. For…

Gym insurance covers a gym’s elevated risks where liability increases when people engage in strenuous cardio and weightlifting programs. Due to this higher business risk, many commercial insurance providers offer business property coverage but may refer you to specialty liability providers. Annual costs start around $1,000 for property and $1,500 for general liability. There are…

Sports and swim instructor insurance is a combination of policies that cover individuals who directly oversee the teaching and training of individuals and teams. Sports instructors can get general liability for as little as $120 per year with $1 million limits. Some insurers offer unique industry-specific policies that cover both general and professional liability. The…