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HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face VIDEO AND FILM PRODUCTION INSURANCE COST Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance.This policy protects against third-party property damage and injuries, and advertising injury. Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. STOCKBROKER LIABILITY INSURANCE QUOTES Stockbroker professional liability insurance, sometimes called errors and omissions insurance, can cover legal fees related to work mistakes and oversights. BEST FOR. Work mistakes or oversights. Lawsuits alleging negligence. Accusations of mismanagement of funds. GetQuotes.
4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. TOP CYBER LIABILITY RISKS FOR REAL ESTATE AGENTS Risk 1: Cybercrime. Real estate agents handle a variety of personally identifiable information on a daily basis, which puts them at risk for cyber crimes like hacking, phishing, and malware. The legal definition of PII varies from state to state, but it usually includes a person’s name and one or more of the following: WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
TOP 5 AGILE SOFTWARE DEVELOPMENT METHODOLOGIES Kanban. Kanban is a method that is often used to create products in a way that helps teams work together more effectively. It emphasizes continuous delivery while not overworking the development team. The Kanban team’s work is centered around a Kanban board, a tool for visualizing and optimizing the flow of work among team members. 5 QUESTIONS TO ASK ABOUT LIQUOR LIABILITY COVERAGE Too often, the bottom-line price of liquor liability insurance is a bar owner's only concern. You could opt for the cheapest insurance that you can possibly find online, or you can take your time scouring searching the internet and talking to agents to the best deals. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face VIDEO AND FILM PRODUCTION INSURANCE COST Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance.This policy protects against third-party property damage and injuries, and advertising injury. Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. STOCKBROKER LIABILITY INSURANCE QUOTES Stockbroker professional liability insurance, sometimes called errors and omissions insurance, can cover legal fees related to work mistakes and oversights. BEST FOR. Work mistakes or oversights. Lawsuits alleging negligence. Accusations of mismanagement of funds. GetQuotes.
4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. TOP CYBER LIABILITY RISKS FOR REAL ESTATE AGENTS Risk 1: Cybercrime. Real estate agents handle a variety of personally identifiable information on a daily basis, which puts them at risk for cyber crimes like hacking, phishing, and malware. The legal definition of PII varies from state to state, but it usually includes a person’s name and one or more of the following: WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
TOP 5 AGILE SOFTWARE DEVELOPMENT METHODOLOGIES Kanban. Kanban is a method that is often used to create products in a way that helps teams work together more effectively. It emphasizes continuous delivery while not overworking the development team. The Kanban team’s work is centered around a Kanban board, a tool for visualizing and optimizing the flow of work among team members. 5 QUESTIONS TO ASK ABOUT LIQUOR LIABILITY COVERAGE Too often, the bottom-line price of liquor liability insurance is a bar owner's only concern. You could opt for the cheapest insurance that you can possibly find online, or you can take your time scouring searching the internet and talking to agents to the best deals. HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Professional liability insurance. This policy, also called errors and omissions insurance, is common with personal care aides. It can cover legal fees of lawsuits related to work performance. BEST FOR. Accusations of negligence. Work mistakes or oversights. Failure to deliver promised services. Get Quotes. Learn More. 5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE 3. You can develop a broad skill set. Being an effective salesperson is a valuable talent when you work in insurance, but it’s not just a sales job. The industry touches every field and offers countless career paths. Insurance companies look for workers who have skills in: Communication. Technology. Problem-solving. WEB DESIGNER BUSINESS INSURANCE This policy covers accidental client injuries and other basic risks that can affect any web designer. Bundle with property insurance for savings in a business owner’s policy. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. GetQuotes. Learn More.
DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine COST OF HIRED AND NON-OWNED AUTO INSURANCE Average hired and non-owned auto insurance costs. Because vehicles used for commercial purposes have higher liabilities, hired and non-owned auto insurance usually costs more than personal auto insurance and about the same as commercial auto insurance. Though Insureon does not have exact figures for hired and non-owned autoinsurance, you can
BUSINESS OWNER’S POLICY FOR HEALTHCARE PROFESSIONALS Damage to business property. The commercial property insurance included in a business owner’s policy safeguards business property that is damaged, vandalized, or stolen. This includes: Medical equipment. Office furniture and furnishings. Your building if you own it. If your chiropractic clinic, ophthalmology practice, or otherhealthcare
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. 6 COMMON RISKS FOR CONSULTING FIRMS Don’t get blindsided by scope creep. Among the many risks for consulting firms, scope creep is possibly the trickiest one. Scope creep occurs when a client asks for deliverables and additional time not agreed upon in the original scope of work. WHERE YOUR BUSINESS PROPERTY IS AND ISN’T COVERED Vehicle accidents reach the number two spot, costing claimants $45,000 on average. Unfortunately, property insurance can't cover your business's cars. What's even more surprising: they probably aren't covered by your personal auto insurance policy, either. The takeaway: Your commercial property insurance may cover the most common risks toyour
IS WORKERS’ COMPENSATION REQUIRED FOR SEASONAL EMPLOYEES Nineteen percent of respondents say they are planning to hire additional employees for the holiday season. Of those business owners, 68% have workers' compensation insurance, with 57% of policyholders saying they will be adjusting their policy to accommodate seasonal hires. That means more than a third of business owners don't haveplans to
BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. VIDEO AND FILM PRODUCTION INSURANCE COST Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance.This policy protects against third-party property damage and injuries, and advertising injury. Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your STOCKBROKER LIABILITY INSURANCE QUOTES Stockbroker professional liability insurance, sometimes called errors and omissions insurance, can cover legal fees related to work mistakes and oversights. BEST FOR. Work mistakes or oversights. Lawsuits alleging negligence. Accusations of mismanagement of funds. GetQuotes.
4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. 5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE 3. You can develop a broad skill set. Being an effective salesperson is a valuable talent when you work in insurance, but it’s not just a sales job. The industry touches every field and offers countless career paths. Insurance companies look for workers who have skills in: Communication. Technology. Problem-solving. WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
TOP CYBER LIABILITY RISKS FOR REAL ESTATE AGENTS Risk 1: Cybercrime. Real estate agents handle a variety of personally identifiable information on a daily basis, which puts them at risk for cyber crimes like hacking, phishing, and malware. The legal definition of PII varies from state to state, but it usually includes a person’s name and one or more of the following: TOP 5 AGILE SOFTWARE DEVELOPMENT METHODOLOGIES Kanban. Kanban is a method that is often used to create products in a way that helps teams work together more effectively. It emphasizes continuous delivery while not overworking the development team. The Kanban team’s work is centered around a Kanban board, a tool for visualizing and optimizing the flow of work among team members. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. VIDEO AND FILM PRODUCTION INSURANCE COST Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance.This policy protects against third-party property damage and injuries, and advertising injury. Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your STOCKBROKER LIABILITY INSURANCE QUOTES Stockbroker professional liability insurance, sometimes called errors and omissions insurance, can cover legal fees related to work mistakes and oversights. BEST FOR. Work mistakes or oversights. Lawsuits alleging negligence. Accusations of mismanagement of funds. GetQuotes.
4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. 5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE 3. You can develop a broad skill set. Being an effective salesperson is a valuable talent when you work in insurance, but it’s not just a sales job. The industry touches every field and offers countless career paths. Insurance companies look for workers who have skills in: Communication. Technology. Problem-solving. WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
TOP CYBER LIABILITY RISKS FOR REAL ESTATE AGENTS Risk 1: Cybercrime. Real estate agents handle a variety of personally identifiable information on a daily basis, which puts them at risk for cyber crimes like hacking, phishing, and malware. The legal definition of PII varies from state to state, but it usually includes a person’s name and one or more of the following: TOP 5 AGILE SOFTWARE DEVELOPMENT METHODOLOGIES Kanban. Kanban is a method that is often used to create products in a way that helps teams work together more effectively. It emphasizes continuous delivery while not overworking the development team. The Kanban team’s work is centered around a Kanban board, a tool for visualizing and optimizing the flow of work among team members. VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY General liability insurance. This policy covers basic video production risks, such as customer property damage or injuries. Bundle with property insurance in a business owner’s policy to save. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. Get Quotes. HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Professional liability insurance. This policy, also called errors and omissions insurance, is common with personal care aides. It can cover legal fees of lawsuits related to work performance. BEST FOR. Accusations of negligence. Work mistakes or oversights. Failure to deliver promised services. Get Quotes. Learn More. WEB DESIGNER BUSINESS INSURANCE This policy covers accidental client injuries and other basic risks that can affect any web designer. Bundle with property insurance for savings in a business owner’s policy. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. GetQuotes. Learn More.
5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE 3. You can develop a broad skill set. Being an effective salesperson is a valuable talent when you work in insurance, but it’s not just a sales job. The industry touches every field and offers countless career paths. Insurance companies look for workers who have skills in: Communication. Technology. Problem-solving. COST OF HIRED AND NON-OWNED AUTO INSURANCE Average hired and non-owned auto insurance costs. Because vehicles used for commercial purposes have higher liabilities, hired and non-owned auto insurance usually costs more than personal auto insurance and about the same as commercial auto insurance. Though Insureon does not have exact figures for hired and non-owned autoinsurance, you can
DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine BUSINESS OWNER’S POLICY FOR HEALTHCARE PROFESSIONALS Damage to business property. The commercial property insurance included in a business owner’s policy safeguards business property that is damaged, vandalized, or stolen. This includes: Medical equipment. Office furniture and furnishings. Your building if you own it. If your chiropractic clinic, ophthalmology practice, or otherhealthcare
WHERE YOUR BUSINESS PROPERTY IS AND ISN’T COVERED Vehicle accidents reach the number two spot, costing claimants $45,000 on average. Unfortunately, property insurance can't cover your business's cars. What's even more surprising: they probably aren't covered by your personal auto insurance policy, either. The takeaway: Your commercial property insurance may cover the most common risks toyour
6 COMMON RISKS FOR CONSULTING FIRMS Don’t get blindsided by scope creep. Among the many risks for consulting firms, scope creep is possibly the trickiest one. Scope creep occurs when a client asks for deliverables and additional time not agreed upon in the original scope of work. IS WORKERS’ COMPENSATION REQUIRED FOR SEASONAL EMPLOYEES Nineteen percent of respondents say they are planning to hire additional employees for the holiday season. Of those business owners, 68% have workers' compensation insurance, with 57% of policyholders saying they will be adjusting their policy to accommodate seasonal hires. That means more than a third of business owners don't haveplans to
BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Professional liability insurance. This policy, also called errors and omissions insurance, is common with personal care aides. It can cover legal fees of lawsuits related to work performance. BEST FOR. Accusations of negligence. Work mistakes or oversights. Failure to deliver promised services. Get Quotes. Learn More. HOW TO MAKE AN ERRORS AND OMISSIONS INSURANCE CLAIM An errors and omissions insurance policy can cover lawyer's fees, judgments, settlements, and court costs when professional mistakes or oversights lead to legal trouble. However, you'll need to stay on top of the claims process to resolve a dispute without a significant impact to your business. These five steps can make the filing processeasier.
WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine MALPRACTICE LAWSUIT TIPS FOR THERAPISTS AND COUNSELORS As a family therapist, faith-based counselor, or mental health counselor, you handle people at their most vulnerable.Clients turn to you for guidance so they can make sense of life’s many obstacles and their own limitations. But with great trust comes great risk – and if a client thinks you overstepped your professional boundaries, you could be sued for malpractice. DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Professional liability insurance. This policy, also called errors and omissions insurance, is common with personal care aides. It can cover legal fees of lawsuits related to work performance. BEST FOR. Accusations of negligence. Work mistakes or oversights. Failure to deliver promised services. Get Quotes. Learn More. HOW TO MAKE AN ERRORS AND OMISSIONS INSURANCE CLAIM An errors and omissions insurance policy can cover lawyer's fees, judgments, settlements, and court costs when professional mistakes or oversights lead to legal trouble. However, you'll need to stay on top of the claims process to resolve a dispute without a significant impact to your business. These five steps can make the filing processeasier.
WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine MALPRACTICE LAWSUIT TIPS FOR THERAPISTS AND COUNSELORS As a family therapist, faith-based counselor, or mental health counselor, you handle people at their most vulnerable.Clients turn to you for guidance so they can make sense of life’s many obstacles and their own limitations. But with great trust comes great risk – and if a client thinks you overstepped your professional boundaries, you could be sued for malpractice. DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY General liability insurance. This policy covers basic video production risks, such as customer property damage or injuries. Bundle with property insurance in a business owner’s policy to save. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. Get Quotes. IS THE CORONAVIRUS CONSIDERED AN ACT OF GOD? General liability insurance may help pay for lawsuit costs and damages if your business is accused of exposing customers, clients, or employees to the coronavirus. Coronavirus and insurance coverage varies by carrier. But communicable diseases like COVID-19 are generally excluded from coverage and rarely considered an act of God. HOW TO MAKE AN ERRORS AND OMISSIONS INSURANCE CLAIM An errors and omissions insurance policy can cover lawyer's fees, judgments, settlements, and court costs when professional mistakes or oversights lead to legal trouble. However, you'll need to stay on top of the claims process to resolve a dispute without a significant impact to your business. These five steps can make the filing processeasier.
FIRST AID TRAINER AND CPR INSTRUCTOR LIABILITY INSURANCE CPR and first aid instructors teach life-saving techniques and deal with worst-case scenarios. A mistake in training could lead to an injury – or even death. It’s vital to secure liability insurance to protect your small business from malpractice lawsuits, traininginjuries, and more.
BUILDER’S RISK INSURANCE COST The median cost of builder’s risk insurance is $95 per month or $1,140 annually for Insureon small business customers. The median cost offers a more accurate estimate of what your business is likely to pay than the average cost of builder's risk insurance because it excludes outlier high and low premiums. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face WHO QUALIFIES FOR A WORKERS’ COMPENSATION EXEMPTION The exceptions to this requirement are agricultural employers that have fewer than three employees or an annual payroll that totals less than $15,000. Delaware: Although the majority of Delaware employees must be covered by workers’ compensation insurance, some types of workers are exempt, including: FAITH-BASED & PASTORAL COUNSELOR BUSINESS INSURANCE QUOTES Get Quotes. Or call us at (800) 688-1984. We partner with trusted A-rated insurance companies. Therapy and counseling Faith-based and pastoral counselors. TOP RISK MANAGEMENT THREATS FOR REAL ESTATE AGENTS A real estate risk management plan involves keeping open houses safe, being transparent with clients, and staying up to date on market conditions. Buying a home is the biggest investment that most people will ever make, so the stakes can be particularly high for real estate agents if a transaction doesn’t go according to plan. HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Professional liability insurance. This policy, also called errors and omissions insurance, is common with personal care aides. It can cover legal fees of lawsuits related to work performance. BEST FOR. Accusations of negligence. Work mistakes or oversights. Failure to deliver promised services. Get Quotes. Learn More. HOW TO MAKE AN ERRORS AND OMISSIONS INSURANCE CLAIM An errors and omissions insurance policy can cover lawyer's fees, judgments, settlements, and court costs when professional mistakes or oversights lead to legal trouble. However, you'll need to stay on top of the claims process to resolve a dispute without a significant impact to your business. These five steps can make the filing processeasier.
WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine MALPRACTICE LAWSUIT TIPS FOR THERAPISTS AND COUNSELORS As a family therapist, faith-based counselor, or mental health counselor, you handle people at their most vulnerable.Clients turn to you for guidance so they can make sense of life’s many obstacles and their own limitations. But with great trust comes great risk – and if a client thinks you overstepped your professional boundaries, you could be sued for malpractice. DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Professional liability insurance. This policy, also called errors and omissions insurance, is common with personal care aides. It can cover legal fees of lawsuits related to work performance. BEST FOR. Accusations of negligence. Work mistakes or oversights. Failure to deliver promised services. Get Quotes. Learn More. HOW TO MAKE AN ERRORS AND OMISSIONS INSURANCE CLAIM An errors and omissions insurance policy can cover lawyer's fees, judgments, settlements, and court costs when professional mistakes or oversights lead to legal trouble. However, you'll need to stay on top of the claims process to resolve a dispute without a significant impact to your business. These five steps can make the filing processeasier.
WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine MALPRACTICE LAWSUIT TIPS FOR THERAPISTS AND COUNSELORS As a family therapist, faith-based counselor, or mental health counselor, you handle people at their most vulnerable.Clients turn to you for guidance so they can make sense of life’s many obstacles and their own limitations. But with great trust comes great risk – and if a client thinks you overstepped your professional boundaries, you could be sued for malpractice. DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY General liability insurance. This policy covers basic video production risks, such as customer property damage or injuries. Bundle with property insurance in a business owner’s policy to save. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. Get Quotes. IS THE CORONAVIRUS CONSIDERED AN ACT OF GOD? General liability insurance may help pay for lawsuit costs and damages if your business is accused of exposing customers, clients, or employees to the coronavirus. Coronavirus and insurance coverage varies by carrier. But communicable diseases like COVID-19 are generally excluded from coverage and rarely considered an act of God. HOW TO MAKE AN ERRORS AND OMISSIONS INSURANCE CLAIM An errors and omissions insurance policy can cover lawyer's fees, judgments, settlements, and court costs when professional mistakes or oversights lead to legal trouble. However, you'll need to stay on top of the claims process to resolve a dispute without a significant impact to your business. These five steps can make the filing processeasier.
FIRST AID TRAINER AND CPR INSTRUCTOR LIABILITY INSURANCE CPR and first aid instructors teach life-saving techniques and deal with worst-case scenarios. A mistake in training could lead to an injury – or even death. It’s vital to secure liability insurance to protect your small business from malpractice lawsuits, traininginjuries, and more.
BUILDER’S RISK INSURANCE COST The median cost of builder’s risk insurance is $95 per month or $1,140 annually for Insureon small business customers. The median cost offers a more accurate estimate of what your business is likely to pay than the average cost of builder's risk insurance because it excludes outlier high and low premiums. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face WHO QUALIFIES FOR A WORKERS’ COMPENSATION EXEMPTION The exceptions to this requirement are agricultural employers that have fewer than three employees or an annual payroll that totals less than $15,000. Delaware: Although the majority of Delaware employees must be covered by workers’ compensation insurance, some types of workers are exempt, including: FAITH-BASED & PASTORAL COUNSELOR BUSINESS INSURANCE QUOTES Get Quotes. Or call us at (800) 688-1984. We partner with trusted A-rated insurance companies. Therapy and counseling Faith-based and pastoral counselors. TOP RISK MANAGEMENT THREATS FOR REAL ESTATE AGENTS A real estate risk management plan involves keeping open houses safe, being transparent with clients, and staying up to date on market conditions. Buying a home is the biggest investment that most people will ever make, so the stakes can be particularly high for real estate agents if a transaction doesn’t go according to plan. HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY General liability insurance. This policy covers basic video production risks, such as customer property damage or injuries. Bundle with property insurance in a business owner’s policy to save. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. Get Quotes. VIDEO AND FILM PRODUCTION INSURANCE COST Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance.This policy protects against third-party property damage and injuries, and advertising injury. Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine 6 COMMON RISKS FOR CONSULTING FIRMS Client dissatisfaction and consulting risk grow from many roots. Common reasons for complaints include: Missed deadlines. Misrepresentation. Cost overruns. Failure to deliver on expectations. Use of sub-par contractors. The most important thing is to set realistic goals and deliver on your commitments. 5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE 3. You can develop a broad skill set. Being an effective salesperson is a valuable talent when you work in insurance, but it’s not just a sales job. The industry touches every field and offers countless career paths. Insurance companies look for workers who have skills in: Communication. Technology. Problem-solving. WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY General liability insurance. This policy covers basic video production risks, such as customer property damage or injuries. Bundle with property insurance in a business owner’s policy to save. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. Get Quotes. VIDEO AND FILM PRODUCTION INSURANCE COST Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance.This policy protects against third-party property damage and injuries, and advertising injury. Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine 6 COMMON RISKS FOR CONSULTING FIRMS Client dissatisfaction and consulting risk grow from many roots. Common reasons for complaints include: Missed deadlines. Misrepresentation. Cost overruns. Failure to deliver on expectations. Use of sub-par contractors. The most important thing is to set realistic goals and deliver on your commitments. 5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE 3. You can develop a broad skill set. Being an effective salesperson is a valuable talent when you work in insurance, but it’s not just a sales job. The industry touches every field and offers countless career paths. Insurance companies look for workers who have skills in: Communication. Technology. Problem-solving. WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Professional liability insurance. This policy, also called errors and omissions insurance, is common with personal care aides. It can cover legal fees of lawsuits related to work performance. BEST FOR. Accusations of negligence. Work mistakes or oversights. Failure to deliver promised services. Get Quotes. Learn More. BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. BUSINESS OWNER’S POLICY FOR HEALTHCARE PROFESSIONALS Damage to business property. The commercial property insurance included in a business owner’s policy safeguards business property that is damaged, vandalized, or stolen. This includes: Medical equipment. Office furniture and furnishings. Your building if you own it. If your chiropractic clinic, ophthalmology practice, or otherhealthcare
WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
PUBLIC SPEAKER BUSINESS INSURANCE QUOTES Compare multiple quotes from top carriers with one application. Or call us at (800) 688-1984. We partner with trusted A-rated insurance companies. Professional services Public speakers. CONSTRUCTION INSURANCE VS. SURETY BOND: WHAT’S THE How a surety bond is different from construction insurance. As we explained earlier, construction insurance is a contract between your business and the insurance company. When you make a claim on your policy and it's covered, you aren't expected to reimburse the insurer. It's fully on the insurer to pay. That's not the case with a suretybond.
PRE-EMPLOYMENT SCREENING TESTS: WHEN ARE THEY LEGAL A pre-employment test can be any procedure your business uses to screen potential hires and employees under consideration for promotion. Some examples include: Cognitive tests (e.g., one that measures memory, reading comprehension, math skills, etc.) Physical ability tests (e.g., one that measures the strength of a specific muscle group) Sample HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY General liability insurance. This policy covers basic video production risks, such as customer property damage or injuries. Bundle with property insurance in a business owner’s policy to save. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. Get Quotes. VIDEO AND FILM PRODUCTION INSURANCE COST Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance.This policy protects against third-party property damage and injuries, and advertising injury. Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine 6 COMMON RISKS FOR CONSULTING FIRMS Client dissatisfaction and consulting risk grow from many roots. Common reasons for complaints include: Missed deadlines. Misrepresentation. Cost overruns. Failure to deliver on expectations. Use of sub-par contractors. The most important thing is to set realistic goals and deliver on your commitments. 5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE 3. You can develop a broad skill set. Being an effective salesperson is a valuable talent when you work in insurance, but it’s not just a sales job. The industry touches every field and offers countless career paths. Insurance companies look for workers who have skills in: Communication. Technology. Problem-solving. WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY General liability insurance. This policy covers basic video production risks, such as customer property damage or injuries. Bundle with property insurance in a business owner’s policy to save. BEST FOR. Slip-and-fall accidents. Damaged customer property. Libel or slander lawsuits. Get Quotes. VIDEO AND FILM PRODUCTION INSURANCE COST Video production studios pay a median premium of about $29 per month, or $353 annually, for general liability insurance.This policy protects against third-party property damage and injuries, and advertising injury. Insureon recommends purchasing a business owner’s policy for more complete coverage. A BOP bundles general liability insurance with commercial property insurance to cover your 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED For instance, the median annual cost of general liability insurance for a large pool cleaning business is $693, while the cost for a small house cleaning business is $504 per year. Most business owners choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine 6 COMMON RISKS FOR CONSULTING FIRMS Client dissatisfaction and consulting risk grow from many roots. Common reasons for complaints include: Missed deadlines. Misrepresentation. Cost overruns. Failure to deliver on expectations. Use of sub-par contractors. The most important thing is to set realistic goals and deliver on your commitments. 5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE 3. You can develop a broad skill set. Being an effective salesperson is a valuable talent when you work in insurance, but it’s not just a sales job. The industry touches every field and offers countless career paths. Insurance companies look for workers who have skills in: Communication. Technology. Problem-solving. WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Professional liability insurance. This policy, also called errors and omissions insurance, is common with personal care aides. It can cover legal fees of lawsuits related to work performance. BEST FOR. Accusations of negligence. Work mistakes or oversights. Failure to deliver promised services. Get Quotes. Learn More. BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS Rich H. Engineer. "I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes." Richard C. Software / internet design. "Raynaldo made quick work of things. GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. BUSINESS OWNER’S POLICY FOR HEALTHCARE PROFESSIONALS Damage to business property. The commercial property insurance included in a business owner’s policy safeguards business property that is damaged, vandalized, or stolen. This includes: Medical equipment. Office furniture and furnishings. Your building if you own it. If your chiropractic clinic, ophthalmology practice, or otherhealthcare
WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Recognize monopolistic states. Four states (Wyoming, North Dakota, Washington, and Ohio) require you to buy coverage from a state-run workers' comp fund. These are referred to as "monopolistic states." Say your business is located in Portland, OR, but you also do work in Vancouver, WA, across the river. If you work in both states, you mayhave
PUBLIC SPEAKER BUSINESS INSURANCE QUOTES Compare multiple quotes from top carriers with one application. Or call us at (800) 688-1984. We partner with trusted A-rated insurance companies. Professional services Public speakers. CONSTRUCTION INSURANCE VS. SURETY BOND: WHAT’S THE How a surety bond is different from construction insurance. As we explained earlier, construction insurance is a contract between your business and the insurance company. When you make a claim on your policy and it's covered, you aren't expected to reimburse the insurer. It's fully on the insurer to pay. That's not the case with a suretybond.
PRE-EMPLOYMENT SCREENING TESTS: WHEN ARE THEY LEGAL A pre-employment test can be any procedure your business uses to screen potential hires and employees under consideration for promotion. Some examples include: Cognitive tests (e.g., one that measures memory, reading comprehension, math skills, etc.) Physical ability tests (e.g., one that measures the strength of a specific muscle group) Sample HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. WHO QUALIFIES FOR A WORKERS’ COMPENSATION EXEMPTION The exceptions to this requirement are agricultural employers that have fewer than three employees or an annual payroll that totals less than $15,000. Delaware: Although the majority of Delaware employees must be covered by workers’ compensation insurance, some types of workers are exempt, including: HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHEN DO NONPROFITS NEED WORKERS’ COMPENSATION INSURANCE Workers' compensation insurance can cover injury lawsuits from long-term volunteers. Many NPOs have volunteers that work for them much in the same way an employee would work for an employer. Say you run an after-school mentoring program. If you use the same tutors for years, you might need workers’ comp insurance in order to covertheir injuries.
DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. WHO QUALIFIES FOR A WORKERS’ COMPENSATION EXEMPTION The exceptions to this requirement are agricultural employers that have fewer than three employees or an annual payroll that totals less than $15,000. Delaware: Although the majority of Delaware employees must be covered by workers’ compensation insurance, some types of workers are exempt, including: HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHEN DO NONPROFITS NEED WORKERS’ COMPENSATION INSURANCE Workers' compensation insurance can cover injury lawsuits from long-term volunteers. Many NPOs have volunteers that work for them much in the same way an employee would work for an employer. Say you run an after-school mentoring program. If you use the same tutors for years, you might need workers’ comp insurance in order to covertheir injuries.
DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations CONTACT US | INSUREON Getting a certificate of insurance is easy. Just log in to your account using the Log In link at the top of this page, select the "Certificates" tab, then click the blue Request Certificate button to get started. You need to have an active policy to request a certificate. If your certificate request is urgent, call your accountmanager directly
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry.This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. BUSINESS LIABILITY INSURANCE VS. COMMERCIAL PROPERTY Commercial property insurance is the policy that can protect your business's physical assets, including its building, furniture, equipment, inventory, and more. This is the policy you turn to when you need to repair or replace business property that is damaged by:Fire.
WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. ERRORS AND OMISSIONS (E&O) INSURANCE COST Regardless of policy limits, the median monthly cost of errors and omissions insurance is $59 ($713 annually). The median cost offers a more accurate estimate of what your business is likely to pay than the average cost of business insurance because it excludes outlier high and low premiums. Most small business owners (51%) pay between $500and
FIDELITY BONDS COST
Small businesses pay a median premium of $88 per month, or $1,055 per year, for a fidelity bond.Cost estimates are sourced from policies purchased by Insureon customers. Among Insureon customers, 21% of small businesses pay less than $600 per year for a fidelity bond, and CONSTRUCTION INSURANCE VS. SURETY BOND: WHAT’S THE How a surety bond is different from construction insurance. As we explained earlier, construction insurance is a contract between your business and the insurance company. When you make a claim on your policy and it's covered, you aren't expected to reimburse the insurer. It's fully on the insurer to pay. That's not the case with a suretybond.
ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHAT IS A WORKERS’ COMPENSATION STATE FUND? What is a workers’ compensation state insurance fund? Workers’ compensation state insurance funds are government-funded organizations that provide workers’ comp insurance to employers and employees in a specific state. States use workers’ compensation state insurance funds in different ways: Monopolistic state insurance fund. A VIRGINIA WORKERS' COMPENSATION INSURANCE FOR SMALL Virginia enforces strict workers’ compensation insurance rules on employers. Any firm with three or more employees must carry workers’ comp insurance. In addition, companies that hire contractors to perform regular job tasks or to fulfill a contract must count those individuals when determining how many employees they have for workers’ comp purposes. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACEBULLYING SUPERVISOR CHARACTERISTICSBULLYING SUPERVISOR CHARACTERISTICSBULLYING TACTICS AT WORKWORKPLACE BULLYING BY MANAGEMENT 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. WHO QUALIFIES FOR A WORKERS’ COMPENSATION EXEMPTION The exceptions to this requirement are agricultural employers that have fewer than three employees or an annual payroll that totals less than $15,000. Delaware: Although the majority of Delaware employees must be covered by workers’ compensation insurance, some types of workers are exempt, including: HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHEN DO NONPROFITS NEED WORKERS’ COMPENSATION INSURANCE Workers' compensation insurance can cover injury lawsuits from long-term volunteers. Many NPOs have volunteers that work for them much in the same way an employee would work for an employer. Say you run an after-school mentoring program. If you use the same tutors for years, you might need workers’ comp insurance in order to covertheir injuries.
DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACEBULLYING SUPERVISOR CHARACTERISTICSBULLYING SUPERVISOR CHARACTERISTICSBULLYING TACTICS AT WORKWORKPLACE BULLYING BY MANAGEMENT 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. WHO QUALIFIES FOR A WORKERS’ COMPENSATION EXEMPTION The exceptions to this requirement are agricultural employers that have fewer than three employees or an annual payroll that totals less than $15,000. Delaware: Although the majority of Delaware employees must be covered by workers’ compensation insurance, some types of workers are exempt, including: HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHEN DO NONPROFITS NEED WORKERS’ COMPENSATION INSURANCE Workers' compensation insurance can cover injury lawsuits from long-term volunteers. Many NPOs have volunteers that work for them much in the same way an employee would work for an employer. Say you run an after-school mentoring program. If you use the same tutors for years, you might need workers’ comp insurance in order to covertheir injuries.
DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations CONTACT US | INSUREON Getting a certificate of insurance is easy. Just log in to your account using the Log In link at the top of this page, select the "Certificates" tab, then click the blue Request Certificate button to get started. You need to have an active policy to request a certificate. If your certificate request is urgent, call your accountmanager directly
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry.This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. BUSINESS LIABILITY INSURANCE VS. COMMERCIAL PROPERTY Commercial property insurance is the policy that can protect your business's physical assets, including its building, furniture, equipment, inventory, and more. This is the policy you turn to when you need to repair or replace business property that is damaged by:Fire.
WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. ERRORS AND OMISSIONS (E&O) INSURANCE COST Regardless of policy limits, the median monthly cost of errors and omissions insurance is $59 ($713 annually). The median cost offers a more accurate estimate of what your business is likely to pay than the average cost of business insurance because it excludes outlier high and low premiums. Most small business owners (51%) pay between $500and
FIDELITY BONDS COST
Small businesses pay a median premium of $88 per month, or $1,055 per year, for a fidelity bond.Cost estimates are sourced from policies purchased by Insureon customers. Among Insureon customers, 21% of small businesses pay less than $600 per year for a fidelity bond, and CONSTRUCTION INSURANCE VS. SURETY BOND: WHAT’S THE How a surety bond is different from construction insurance. As we explained earlier, construction insurance is a contract between your business and the insurance company. When you make a claim on your policy and it's covered, you aren't expected to reimburse the insurer. It's fully on the insurer to pay. That's not the case with a suretybond.
ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHAT IS A WORKERS’ COMPENSATION STATE FUND? What is a workers’ compensation state insurance fund? Workers’ compensation state insurance funds are government-funded organizations that provide workers’ comp insurance to employers and employees in a specific state. States use workers’ compensation state insurance funds in different ways: Monopolistic state insurance fund. A VIRGINIA WORKERS' COMPENSATION INSURANCE FOR SMALL Virginia enforces strict workers’ compensation insurance rules on employers. Any firm with three or more employees must carry workers’ comp insurance. In addition, companies that hire contractors to perform regular job tasks or to fulfill a contract must count those individuals when determining how many employees they have for workers’ comp purposes. BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACEBULLYING SUPERVISOR CHARACTERISTICSBULLYING SUPERVISOR CHARACTERISTICSBULLYING TACTICS AT WORKWORKPLACE BULLYING BY MANAGEMENT 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. WHO QUALIFIES FOR A WORKERS’ COMPENSATION EXEMPTION The exceptions to this requirement are agricultural employers that have fewer than three employees or an annual payroll that totals less than $15,000. Delaware: Although the majority of Delaware employees must be covered by workers’ compensation insurance, some types of workers are exempt, including: HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHEN DO NONPROFITS NEED WORKERS’ COMPENSATION INSURANCE Workers' compensation insurance can cover injury lawsuits from long-term volunteers. Many NPOs have volunteers that work for them much in the same way an employee would work for an employer. Say you run an after-school mentoring program. If you use the same tutors for years, you might need workers’ comp insurance in order to covertheir injuries.
DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations BUY SMALL BUSINESS INSURANCE ONLINE Business owner's policy. A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together. BEST FOR. Customer injuries. Damaged customer property. Damaged businessproperty.
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry. This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACEBULLYING SUPERVISOR CHARACTERISTICSBULLYING SUPERVISOR CHARACTERISTICSBULLYING TACTICS AT WORKWORKPLACE BULLYING BY MANAGEMENT 62% of bullies are men. 58% of targets are women. 80% of the time, female bullies target women. Bullying is four times more rampant than illegal harassment. Most bullying is same-gender harassment (~68%), which is mostly legal according to anti-discrimination laws. But even though bullying isn’t illegal, your small business could still face DOES YOUR BUSINESS HAVE THE RIGHT TO REFUSE SERVICE TO Can I require employees or customers to be vaccinated against COVID-19? The Equal Employment Opportunity Commission says employers have the right to require their employees to get vaccinated in order to work on site, although the issue is a bit murky when it comes to vaccine requirements for customers.. While the federal government currently has no plans to implement a national vaccine WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. WHO QUALIFIES FOR A WORKERS’ COMPENSATION EXEMPTION The exceptions to this requirement are agricultural employers that have fewer than three employees or an annual payroll that totals less than $15,000. Delaware: Although the majority of Delaware employees must be covered by workers’ compensation insurance, some types of workers are exempt, including: HOST LIQUOR LIABILITY VS. LIQUOR LIABILITY: WHICH DO YOU Businesses that sell, serve, or provide alcohol can be held liable for the actions of customers or employees who cause third-party bodily injury or property damage as a result of drinking too much. We'll examine host liquor liability vs. liquor liability insurance and explain which policy businesses may need. ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHEN DO NONPROFITS NEED WORKERS’ COMPENSATION INSURANCE Workers' compensation insurance can cover injury lawsuits from long-term volunteers. Many NPOs have volunteers that work for them much in the same way an employee would work for an employer. Say you run an after-school mentoring program. If you use the same tutors for years, you might need workers’ comp insurance in order to covertheir injuries.
DO SOLE PROPRIETORS NEED WORKERS’ COMPENSATION INSURANCE Sole proprietors with no employees typically are not required to purchase workers' compensation insurance. However, if you’re injured on the job, a sole proprietor workers’ comp policy can help pay for medical expenses and replacement wages while you recover. If you are a sole proprietor with no employees, there are several considerations CONTACT US | INSUREON Getting a certificate of insurance is easy. Just log in to your account using the Log In link at the top of this page, select the "Certificates" tab, then click the blue Request Certificate button to get started. You need to have an active policy to request a certificate. If your certificate request is urgent, call your accountmanager directly
GENERAL LIABILITY VS. ERRORS AND OMISSIONS INSURANCE Errors and omissions insurance (E&O) is also called professional liability insurance or malpractice insurance, depending on the industry.This policy has a narrower focus than general liability insurance. Though the policy also covers third-party lawsuits, it only shields your business from lawsuits based on professional mistakes. BUSINESS LIABILITY INSURANCE VS. COMMERCIAL PROPERTY Commercial property insurance is the policy that can protect your business's physical assets, including its building, furniture, equipment, inventory, and more. This is the policy you turn to when you need to repair or replace business property that is damaged by:Fire.
WHY YOUR COMMERCIAL LEASE REQUIRES LIABILITY INSURANCE Before you can move into a new office space or storefront, you’ll probably need to purchase commercial rental insurance. Most landlords require insurance coverage so they won’t have to cover the cost of an accident or injury at your business.. Let's look at why your commercial lease probably requires you to carry insurance, and the types of business insurance that you may need. ERRORS AND OMISSIONS (E&O) INSURANCE COST Regardless of policy limits, the median monthly cost of errors and omissions insurance is $59 ($713 annually). The median cost offers a more accurate estimate of what your business is likely to pay than the average cost of business insurance because it excludes outlier high and low premiums. Most small business owners (51%) pay between $500and
FIDELITY BONDS COST
Small businesses pay a median premium of $88 per month, or $1,055 per year, for a fidelity bond.Cost estimates are sourced from policies purchased by Insureon customers. Among Insureon customers, 21% of small businesses pay less than $600 per year for a fidelity bond, and CONSTRUCTION INSURANCE VS. SURETY BOND: WHAT’S THE How a surety bond is different from construction insurance. As we explained earlier, construction insurance is a contract between your business and the insurance company. When you make a claim on your policy and it's covered, you aren't expected to reimburse the insurer. It's fully on the insurer to pay. That's not the case with a suretybond.
ADDITIONAL INSURED VS. LOSS PAYEE: WHAT’S THE DIFFERENCE What is a loss payee? A loss payee is a third party listed on an insurance policy’s declarations page that has first rights on insurance claim payments after a property loss. Why does the insured come second? Because the loss payee has an insurable interest in the property that must be protected first. WHAT IS A WORKERS’ COMPENSATION STATE FUND? What is a workers’ compensation state insurance fund? Workers’ compensation state insurance funds are government-funded organizations that provide workers’ comp insurance to employers and employees in a specific state. States use workers’ compensation state insurance funds in different ways: Monopolistic state insurance fund. A VIRGINIA WORKERS' COMPENSATION INSURANCE FOR SMALL Virginia enforces strict workers’ compensation insurance rules on employers. Any firm with three or more employees must carry workers’ comp insurance. In addition, companies that hire contractors to perform regular job tasks or to fulfill a contract must count those individuals when determining how many employees they have for workers’ comp purposes. Small Business Insurance Browse by Insurance Policy General liability insurance Professional liabilityinsurance Business
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ENTER YOUR INFORMATION JUST ONCE, IN ONE APPLICATION COMPARE YOUR QUOTES FROM TOP INSURANCE CARRIERS CHOOSE THE BEST RATE AND COVERAGE FOR YOUR BUSINESS THE RIGHT INSURANCE FOR YOUR SMALL BUSINESS GENERAL LIABILITY INSURANCE This policy covers the most common risks of running a small business, such as accidental customer injuries. It’s often required for client contracts and commercial leases.BEST FOR
* Slip-and-fall accidents * Damaged customer property * Libel and slander lawsuits Get QuotesLearn More BUSINESS OWNER'S POLICY A business owner's policy, or BOP, is a cost-effective way for small business owners to buy general liability coverage and commercial property insurance together.BEST FOR
* Customer injuries
* Damaged customer property * Damaged business property Get QuotesLearn More PROFESSIONAL LIABILITY INSURANCE This policy helps cover legal expenses if your business is sued for unsatisfactory work, such as a mistake or missed deadline. It’s also called errors and omissions insurance (E&O).BEST FOR
* Accusations of negligence * Mistakes and oversights * Project scope disputes Get QuotesLearn More COMMERCIAL PROPERTY INSURANCE This policy covers the value of a business’s physical structure and its contents, such as inventory, equipment, and furniture. It protects against theft, fire, and other damages.BEST FOR
* Fire
* Theft and vandalism* Windstorms
Get QuotesLearn More WORKERS’ COMPENSATION INSURANCE Workers’ compensation insurance is required in almost every state for businesses that have employees. It can cover medical costs for work-related injuries and illnesses.BEST FOR
* Employee medical expenses * Partial missed wages * Lawsuits over employee injuries Get QuotesLearn More CYBER LIABILITY INSURANCE This policy helps small businesses survive data breaches and cyberattacks. It can pay for recovery expenses, including the cost of notifying customers affected by a breach.BEST FOR
* Data breach lawsuits * Customer notification expenses * Fraud monitoring costs Get QuotesLearn More Looking for different coverage? See more policies. WHY CHOOSE INSUREON? We respect small business. Many of us grew up with or have been entrepreneurs. We know how busy every day is and how almost every decision is yours. We make comparing insurance quotes and getting protected the easiest part of your day. What our customers are saying "Denise Smith is a breath of fresh air. I loved every second dealing with her. And, yes, I'm talking about buying insurance. Most people don't love that, but Denise made the experience exceptional. She is arock star!"
Kristine W.
Food products manufacturing "We needed quotes fast and coverage even faster. We received both. We appreciate your service. THANK YOU."Rich H.
Engineer
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds intaxes."
Richard C.
Software / internet design "Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."Michael D.
Custom programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."Esther L.
Management consultant "Great streamlined process. Quick, easy, and support is very helpful."Ryan F.
System integration
"Denise Smith is a breath of fresh air. I loved every second dealing with her. And, yes, I'm talking about buying insurance. Most people don't love that, but Denise made the experience exceptional. She is arock star!"
Kristine W.
Food products manufacturing "We needed quotes fast and coverage even faster. We received both. We appreciate your service. THANK YOU."Rich H.
Engineer
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds intaxes."
Richard C.
Software / internet design "Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."Michael D.
Custom programmer
"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."Esther L.
Management consultant "Great streamlined process. Quick, easy, and support is very helpful."Ryan F.
System integration
"Denise Smith is a breath of fresh air. I loved every second dealing with her. And, yes, I'm talking about buying insurance. Most people don't love that, but Denise made the experience exceptional. She is arock star!"
Kristine W.
Food products manufacturing "We needed quotes fast and coverage even faster. We received both. We appreciate your service. THANK YOU."Rich H.
Engineer
"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds intaxes."
Richard C.
Software / internet design Call (800) 688-1984 8 a.m. - 5:30 p.m. CT, Monday -Friday
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* Business owner's policy (BOP) * Professional liability * Workers' compensation * Errors and omissions (E&O)* Cyber liability
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