Workers’ compensation insurance is state-mandated coverage that pays expenses associated with on-the-job injuries and occupational illnesses. Workers’ comp typically covers partial lost wages, medical bills, and survivor benefits. In Nevada, employers are required to carry workers’ comp when they have one or more employees and pay an average of 93 cents per $100 of payroll….
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Maryland Workers’ Compensation Insurance: Providers, Rules & More
Workers’ compensation laws in Maryland requires any employer with one or more employee maintains a workers’ compensation policy to pay costs associated with employees getting hurt performing job duties. Maryland is a competitive state where the state fund, Chesapeake Employers’ Insurance Company competes with private carriers. Maryland Workers’ Compensation Insurance Top Providers Different workers’ compensation…
Oregon Workers’ Compensation Insurance: Top Providers & Rules
Workers’ compensation insurance is a policy that pays for employees’ medical bills and lost wages if they suffer work-related injuries or illnesses. Oregon laws make business owners get coverages when they have one or more full- or part-time employee. The average cost of workers’ compensation in Oregon has dropped for seven straight years and is…
Illinois Workers’ Compensation Insurance: Providers, Rules & More
Workers’ compensation insurance is required by law in most states. Policies cover injured employees’ medical bills and lost wages and death benefits if an employee dies from a workplace incident. In Illinois, employers must get coverage even if they have a single, part-time employee and pay an average of $1.00 per $100 of payroll. Illinois…
Excise Taxes: A Guide for Small Businesses
The federal government imposes excise taxes on a variety of products and services that are manufactured in or imported into the United States. Business collect excise taxes and pay these excise taxes over the the government. Excise taxes apply to alcoholic beverages, tobacco, firearms, airfares, telephone service, and many other products and services. Alcohol and…
Virginia Workers’ Compensation Insurance: Top Providers & Rules
Workers’ compensation insurance pays for employees’ medical bills and lost wages when they suffer workplace injuries or occupational illnesses. Workers’ comp is required by law in most states, and Virginia employers must carry a policy once they regularly employ more than two employees. The average cost of workers’ compensation insurance in Virginia is 74 cents…
Washington, D.C., Workers’ Compensation Insurance: Cost & Companies
Workers’ compensation insurance is state-mandated coverage that pays employees’ medical bills and part of their lost wages if they suffer on-the-job injuries or occupational illness. In Washington, D.C., business owners with one or more employees must carry workers’ compensation insurance and cost an average of 51 cents per $100 of payroll. Top D.C. Workers’ Compensation…
Babysitting & Nanny Insurance: Cost, Coverage & Providers
Nanny insurance is a group of business policies designed for individuals who care for children. Whether they work out of their home or someone else’s, nannies’ policies like general liability and professional liability to protect their assets in case they are sued. Nanny insurance typically costs between $200 and $1,400 per year. Unfortunately, nannies can…
Liquor Liability Insurance: Coverage, Cost, & Providers
Businesses that manufacture, sell, or serve alcoholic beverages need liquor liability insurance. Liquor liability policies cover the cost of claims arising from damages or injuries caused by inebriated patrons. Typically, alcohol liability insurance for small business costs $250 to $2,500 annually, depending mainly on the percentage of liquor sales and type of venue. Coverage for…
Veterinarian Insurance: Cost, Features & Providers
Insurance for veterinarians covers the risks of caring for animals, dealing with pet owners, and running a medical facility with expensive equipment and pharmaceuticals. Veterinarian insurance is more than one policy, combining general liability, business equipment, malpractice and often animal bailee policies. Costs for the proper coverage and mix of policies is about $6,000. If…
Colorado Workers’ Compensation Insurance: Providers, Rules & More
Colorado workers’ compensation insurance requires that any employer with one or more employees must maintain a policy that pays medical expenses and partial wage-replacement for injuries on the job. Colorado small businesses should expect to pay an average of 92 cents per $100 of payroll for workers’ comp. Rates vary extensively based on job duties…
Comparative Market Analysis: Ultimate Guide to a CMA in Real Estate
A comparative market analysis (CMA) estimates your home value based on the sales prices of similar homes in your area. This information allows seller agents to choose a listing price for their clients and helps buyers evaluate asking prices. CMAs should be used by all real estate agents as a way to ensure an equitable…