Photographers and videographers usually have three options for getting insurance: insurance carriers that create their own policies, brokers who can sell policies from several carriers, and professional trade associations, which can be the most affordable but typically require membership. Our picks for the seven best photography insurance companies include examples of all three: : Overall…
Personal trainer insurance refers to a group of policies designed to protect a personal trainer’s business assets. One policy almost all trainers need is general liability, which covers the costs of common lawsuits business owners face. Personal trainers usually need professional liability coverage in addition to general liability, which together may cost around $1,240 to…
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, the total cost for a business owner’s policy (BOP) with commercial auto is between $1,170 to $3,500 annually, depending on whether the type of work is interior,…
Basic handyman insurance coverage includes commercial auto and general liability to cover legal fees if a client sues for injuries or property damage. Usually, handyman insurance for both general liability and commercial property costs anywhere from $250 to $1,500 per year. One of the best ways to save money on handyman insurance is to compare…
Nanny insurance is a group of business policies, which can include general liability and professional liability, and are designed for individuals who care for children. Whether they work out of their home or someone else’s, nannies are protected by these policies in case of a lawsuit. General liability insurance for babysitters and nannies typically costs…
Public liability insurance covers businesses for claims made by third parties, such as customers, for injury or property damage caused by the insured business. Public liability typically only covers injury and property damage claims that happen at the physical location of the business. How Public Liability Insurance Works Public liability insurance is designed to protect…
Buying landscaping insurance provides a set of policies that protect your business assets. Usually, landscapers and lawn care business owners need to consider the kinds of landscaping and lawn care services they offer, the vehicles they use to go from one location to another, and the kinds of equipment they use for each project. There…
Workers’ compensation insurance costs depend on many factors, such as state regulations, payroll, and industry, so it’s difficult to pinpoint an exact premium without considering all of your business’ characteristics. Employer costs for employees’ compensation among civilian workers averaged $39.01 per hour worked as of March 2021, according to a . Those in less-risky industries…
