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…
Ultimate Guide
Oregon Sick Leave Law: What Small Businesses Need To Know
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.
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?
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
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
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
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
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…