All Ultimate Guide Articles

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. However, trainers may need additional policies, depending on how they run their businesses, so their insurance can cost anywhere…

Retail insurance refers to the various insurance policies retail businesses need 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. They can typically combine these in a business owner’s policy (BOP) for around $1,000 to $2,500 per year. Finding the…

Semitruck insurance, also called owner-operator or commercial truck insurance, is a blanket term for a collection of policies for truck drivers. Many of these policies cover truckers’ legal liabilities in different situations, such as hauling cargo or nonbusiness driving. Owner-operators can expect to pay between $8,000 and $12,500 per year for truck insurance. Whatever commercial…

Commercial auto insurance covers accidents involving vehicles used or owned by your business. Third-party liability coverage for injuries and property damage is required in most states, but policies also can include first-party coverage such as medical payments and collision. For small business owners, annual commercial vehicle insurance costs around $600 to $2,400 per vehicle. Any…

Restaurant insurance protects owners from a variety of business-related losses, such as lawsuits, property damage, data breaches, or employee injuries. Different policies cover different types of loss, but one coverage common to most restaurants is general liability. A small, limited-service restaurant can usually get general liability insurance for about $1,000 to $2,000 annually. Finding reasonably…

North Carolina workers’ compensation laws make coverage mandatory for employers with three or more employees. This includes minors and undocumented workers. On average, business owners pay around 97 cents per $100 of payroll for their workers’ comp insurance, which makes North Carolina tied for 12th for the least expensive for workers’ comp. Even if workers’…

As a gym owner, you have more risk than many other businesses because your operations include engaging people in strenuous exercise. Gym insurance covers the costs associated with injuries and lawsuits. Annual gym insurance costs depend on the specific policy you’re buying. For example, general liability insurance is usually between $500 to $2,000 per year…