How to File a Business Insurance Claim
Report the loss promptly, document everything before cleanup, and read the policy’s notice and cooperation conditions. Your state insurance department handles complaints when a claim stalls.
Certificate of Insurance (COI): What It Is and How to Get One
A COI is a one-page summary of your policies that clients and landlords ask for. It proves coverage exists but does not change the policy, which is why additional insured status needs an endorsement.
How to Read a Business Insurance Quote
Limits, aggregates, deductibles, exclusions and endorsements decide what a policy pays. Compare quotes line by line before you compare the premium.
How Much Does Small Business Insurance Cost?
There is no honest national price: premiums depend on your industry, payroll, revenue, location, claims history and the limits you choose. Here is what each factor does to the price.
Home-Based Business Insurance: Why Your Homeowners Policy Isn’t Enough
Homeowners policies typically cap or exclude business property and business liability. An endorsement, an in-home business policy or a BOP fills the gap, depending on the size of the business.
Contractor Insurance: What General Contractors and Trades Need
Contractors usually need general liability, workers’ comp, commercial auto and often a license or surety bond. The general contractor’s contract usually sets the limits you must carry.
What to Do After a Data Breach: A Small Business Checklist
Contain the breach, preserve evidence, call your insurer before your IT vendor bills you, and check your state’s notification deadline. The FTC’s guide for businesses sets out the order.
Cyber Liability Insurance for Small Businesses
Cyber cover pays for breach response, notification, ransomware and lawsuits after a data incident. Most general liability policies now exclude these losses.
Hired and Non-Owned Auto Insurance: Cover for Employees’ Cars
When an employee runs a work errand in their own car or you rent a vehicle, your business can be sued after a crash. Hired and non-owned auto cover protects the business, not the car.
Commercial vs Personal Auto Insurance: When You Need a Business Policy
A personal auto policy can exclude driving for business. Who owns the vehicle, what it carries and who drives it decide whether you need a commercial policy.