Hiscox, an insurer focusing exclusively on insuring small businesses, has coverage for hundreds of professions. The company’s roots go back to 1901, but in the last 10 years, it has focused on offering insurance directly to policyholders via its online quote and bind system. Its primary offerings are general liability, professional liability, cybersecurity, and commercial…
Next Insurance is a small business insurance company that sells policies directly to customers online while also working with agents. It offers the core coverages of general liability, professional liability, business owner’s policy, and workers’ comp insurance for more than 1,300 different types of businesses. Policies can be obtained online without speaking to anyone after…
Swim instructor insurance is a policy providing liability coverage for someone who directly oversees training. The providers of this insurance sometimes lump swim instructors into “sports instructors,” which cover a range of athletic activities, so insurance options vary widely. Also, some insurers offer a policy that carries both general and professional liability insurance, but general…
Food vendor insurance is a policy or a combination of policies food vendors need to protect their businesses from the financial loss of a claim. The average annual cost for the most common policy, general liability, ranges from $350 to $1,000, with a coverage amount of $1 million per occurrence, $2 million aggregate. Food vendors…
Finding the right DJ insurance can be challenging because it’s a niche industry. The coverage you’ll need depends mainly on how your business is set up. When finding the best DJ insurance companies, you must consider the financial stability, customer satisfaction, convenience, and available policies. After evaluating some of the most popular options, here are…
Disc Jockey (DJ) insurance refers to all the policies that protect professional DJs against business losses related to claims. Depending on the carrier, DJ liability insurance typically costs anywhere from $190 to $740 annually for general liability. Next Insurance is a great provider of DJ insurance. In 10 minutes or less, you can get insurance…
Liquor liability insurance provides liability protection for businesses that sell and serve alcohol and handles claims arising out of the actions of an intoxicated patron. Whether the claim is for damage or injury, the business can be legally liable for providing alcohol to the intoxicated customer. The cost of liquor liability can range from $200…
Limited liability company (LLC) insurance is a set of policies that LLC owners buy to protect their financial assets. Each policy covers a different type of risk, but the most common ones include general liability and commercial property. Most LLCs can combine these coverages into a business owner’s policy (BOP) that can cost $450 to…
