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Ultimate Guide

Credit Card Stacking: What It Is & How It Works

By Robi Mansueto January 28, 2025 | Credit Cards, Ultimate Guide

Hand holding a credit card.

Editorial and Partnership Disclosure Credit card stacking involves applying for multiple credit cards in a specific order to access a larger unsecured line of credit. It can be done on your own or through a credit card stacking company. How Credit Card Stacking Works Credit card stacking works like an unsecured line of credit, where…

Oregon Sick Leave Law: What Small Businesses Need To Know

By Robie Ann Ferrer January 14, 2025 | Human Resources, Ultimate Guide

Oregon sick leave application example.

Every business in Oregon—even those with just one employee—is subject to the Oregon sick leave law, which requires up to 40 hours of sick time off per employee during a year. The sick leave may be paid or unpaid, depending on the size and location of your company. Even if your company is not located…

Wildfire Insurance in California: How To Navigate, Costs & Coverage

The recent wildfires in California have unfortunately devastated communities and businesses alike. As a small business owner in California, it’s crucial to understand your insurance coverage, how to file a claim, and what to expect once you’ve notified your insurance carrier.

By Nathan Weller January 10, 2025 | Insurance, Ultimate Guide

Firefighter silhouette looking at a wildfire

Wildfire insurance in California or any other state is not a special type of policy. Any type of fire (including a wildfire) is a named loss covered under a standard commercial property policy. Commercial property insurance can be purchased either as a stand-alone policy or bundled with several other policies in what’s called a business…

What Does Cyber Insurance Cover?

By Nathan Weller January 9, 2025 | Insurance, Ultimate Guide

Two individuals reviewing insurance plans on a laptop screen, with one pointing at the details displayed.

Whether it is a health system, municipal government, or a local small business, the news is increasingly filled with stories of a business suffering a data breach and being hacked. While cyber insurance cannot prevent a hacker from trying to hold your business hostage, it can help your small business respond to a cyberattack and…

Daycare Insurance Costs, Coverage & Best Insurers

By Nathan Weller January 9, 2025 | Insurance, Ultimate Guide

Teacher and students.

Daycare insurance costs are a necessary expense for a successful daycare business because daycare insurance coverage protects against claims, damage, or losses affecting your business property. The two most common policies for childcare insurance are general liability and commercial property insurance. While the cost can vary depending on coverage, a general liability policy can range…

Massachusetts (MA) Business Insurance Guide for Small Businesses

By Nathan Weller January 8, 2025 | Insurance, Ultimate Guide

woman sitting while talking to a waiter

Massachusetts, one of the oldest states in America and a key part of American history, is home to an economy driven largely by small businesses. Massachusetts business insurance keeps over 700,000 small businesses running in The Bay State when they encounter a loss like a storm or fire or face a lawsuit from another party….

Commercial General Liability Insurance Cost & Coverage 2025

By Nathan Weller January 2, 2025 | Insurance, Ultimate Guide

Businessman holding a paper with Insurance written on it and a pen.

Commercial general liability insurance coverage, or CGL coverage, protects businesses from financial losses due to third-party bodily injury, property damage, and personal advertising and reputational harm claims. A small business owner with a yearly revenue of around $200,000 can generally expect to pay $170 to $13,000 annually. The wide range reflects the inherent risks of…

Independent Contractor Taxes: The Ultimate Guide

By Liz Smith, CPA, MSTFP December 19, 2024 | Taxes, Ultimate Guide

Independent contractor agreement form with pen.

Independent contractors pay federal, state, and local taxes. At the federal level, independent contractors are subject to income tax and self-employment tax on their net earnings. Most independent contractors also pay income tax in the state where they live and work. In addition, some cities and counties assess additional business taxes, along with fees for…

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