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WHAT DO SURETY BONDS COVER? A business owner’s policy bundles general liability insurance with commercial property insurance to cover the most common business risks, such as slip-and-fall accidents and property damage.. Professional liability insurance guards against missed deadlines and allegations of negligence.. Cyber liability insurance helps companies recover from data breaches and cyberattacks. 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. WHAT DOES INLAND MARINE INSURANCE COVER? Inland marine insurance protects business property in transit, which is typically excluded from commercial property insurance. Example: A video production studio's commercial property policy does not cover valuable cameras, lighting, and other equipment that 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.
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 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. 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. 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.
WHAT DO SURETY BONDS COVER? A business owner’s policy bundles general liability insurance with commercial property insurance to cover the most common business risks, such as slip-and-fall accidents and property damage.. Professional liability insurance guards against missed deadlines and allegations of negligence.. Cyber liability insurance helps companies recover from data breaches and cyberattacks. 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. WHAT DOES INLAND MARINE INSURANCE COVER? Inland marine insurance protects business property in transit, which is typically excluded from commercial property insurance. Example: A video production studio's commercial property policy does not cover valuable cameras, lighting, and other equipment that 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.
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 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. 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. 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 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. 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. 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.
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
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. 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. WHAT IS PERSONAL AND ADVERTISING INJURY IN BUSINESS Your general liability insurance and business owner’s policy will protect you if you commit any of the following personal injury offenses:. False arrest, detention, or imprisonment: You wrongly deprive someone of their personal right to liberty. Malicious prosecution: You take legal action against someone without reasonable cause. Wrongful eviction or entry: As a property owner, you wrongly 8 RISK MANAGEMENT STRATEGIES FOR RESTAURANTS AND OTHER Get Quotes. 2. Tap into technology. Running a business in the digital age presents its own set of risks. For instance, if you store customer information, such as credit card numbers, on a computer or point-of-sales device, you are at risk of cyber theft. But 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: 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. BUY SMALL BUSINESS INSURANCE ONLINE 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. BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS From a lost manuscript to a breach of contract, legal trouble can quickly arise for an author. Writer insurance protects against lawsuits as well as business property damage, injuries, and more. 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED How much will insurance and bonds cost? The cost of bonding and insuring your cleaning business depends on a number of factors, such as:. Size of your business; Your location; Risks your company faces; Number of employees; Deductibles and coverage limits you choose; You’ll probably choose to purchase several different types of protection for your business, and the cost will vary based on the 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 VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY Video and film production companies can protect editing equipment and cameras with video production insurance, which can also pay legal fees if a client sues over lost footage or another issue. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE According to the Healthy Workplace Campaign, an organization that seeks to enact anti-bullying laws, workplace bullying is “repeated, health-harming mistreatment of one or more persons (the targets) by one or more perpetrators.”Usually, this behavior manifests through Verbal abuse; Threatening, humiliating, or intimidating conduct; Sabotage that prevents the target from getting work done 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. WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Businesses with interstate payrolls and employees should pay attention to how workers' compensation insurance coverage is affected by location and travel. Compare quotes and get workers' compensation insurance coverage with Insureon. TOP CYBER LIABILITY RISKS FOR REAL ESTATE AGENTS Real estate agents are particularly susceptible to online data breaches. Learn more about the top 3 risks real estate agents face and how to manage these risks with cyber liability insurance. 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 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. BUSINESS INSURANCE QUOTES FOR WRITERS AND AUTHORS From a lost manuscript to a breach of contract, legal trouble can quickly arise for an author. Writer insurance protects against lawsuits as well as business property damage, injuries, and more. 4 STEPS TO GET YOUR CLEANING BUSINESS BONDED AND INSURED How much will insurance and bonds cost? The cost of bonding and insuring your cleaning business depends on a number of factors, such as:. Size of your business; Your location; Risks your company faces; Number of employees; Deductibles and coverage limits you choose; You’ll probably choose to purchase several different types of protection for your business, and the cost will vary based on the 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 VIDEO AND FILM PRODUCTION INSURANCE: GENERAL LIABILITY Video and film production companies can protect editing equipment and cameras with video production insurance, which can also pay legal fees if a client sues over lost footage or another issue. HARASSMENT, BULLYING, AND DISCRIMINATION IN THE WORKPLACE According to the Healthy Workplace Campaign, an organization that seeks to enact anti-bullying laws, workplace bullying is “repeated, health-harming mistreatment of one or more persons (the targets) by one or more perpetrators.”Usually, this behavior manifests through Verbal abuse; Threatening, humiliating, or intimidating conduct; Sabotage that prevents the target from getting work done 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. WORKERS’ COMP INSURANCE COVERAGE TIPS FOR MULTI-STATE Businesses with interstate payrolls and employees should pay attention to how workers' compensation insurance coverage is affected by location and travel. Compare quotes and get workers' compensation insurance coverage with Insureon. TOP CYBER LIABILITY RISKS FOR REAL ESTATE AGENTS Real estate agents are particularly susceptible to online data breaches. Learn more about the top 3 risks real estate agents face and how to manage these risks with cyber liability insurance. 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. 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 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 HOME CARE BUSINESS, CAREGIVER LIABILITY INSURANCE Insureon helps home care agencies and caregivers compare insurance quotes from top U.S. carriers with an easy online application. Apply today to protect your business. 5 ROCK-SOLID REASONS TO CHOOSE A CAREER IN INSURANCE Even if you don’t find insurance the most fascinating topic, choosing a career as an insurance agent pays off in abundant job opportunities, the chance to use a wide variety of skills, and otherbenefits.
BUSINESS OWNER’S POLICY FOR HEALTHCARE PROFESSIONALS If your healthcare business is forced to close after a fire or other disruptive event, your BOP can compensate for lost income. For example, a physical therapy clinic might have to temporarily close its doors for repairs after a tornado. Business interruption insurance, included in most BOPs, can cover operating expenses while your officeis being renovated.
PRE-EMPLOYMENT SCREENING TESTS: WHEN ARE THEY LEGAL If you can’t prove that a certain test is necessary for your job opening, don’t use it. Imagine that you run a manufacturing facility and you require all applicants to take a test that simulates a work situation. The test is a bit more rigorous than any situation an employee would likely encounter. IS WORKERS’ COMPENSATION REQUIRED FOR SEASONAL EMPLOYEES Complete Insureon’s easy online application today to compare quotes for workers' compensation and other types of insurance from top-rated U.S. carriers. Once you find the right policy for your small business, you can begin coverage in less than 24 hours. CONSTRUCTION INSURANCE VS. SURETY BOND: WHAT’S THE Construction insurance and surety bonds will provide coverage if a dispute arises between your construction business and another party, but the two types of construction insurance function differently. TOP 5 AGILE SOFTWARE DEVELOPMENT METHODOLOGIES Agile software development methodologies can improve a company's focus and productivity. They allow requirements and products to evolve through the collaboration of cross-functional teams. 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.
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 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. 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.
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.
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.
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 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
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. 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. 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
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. AGet a Quote
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Select Your IndustryAccounting & Finance ProfessionalsAdvertising, Graphic Design and other Media ServicesAssociations & ClubsAuto Services & DealersCleaning ServicesComputer, Web, IT Services & IT StaffingConstruction & ContractingConsultants—Management & MarketingDeath ServicesDesign ProfessionalsHealthcareHome Based BusinessInsurance Professionals and Stock BrokersLaundryLawn Care/LandscapingLessor's RiskManufacturersNonprofit / Social ServicesOther - None of the AbovePet ServicesPhotography/Video ServicesPrinting and CopyingProfessional & Specialty ServicesProfessional InstallationReal Estate, Title & MortgageRestaurants and BarsRetailSalons and Personal Care ServicesSchoolsServices, MiscellaneousTruckingWholesalers Select Your Profession Please select a field from the dropdown Get Free Quotes WE ARE PARTNERED WITH THE WORLD'S TOP A-RATED INSURANCE COMPANIES SAVE MONEY BY COMPARING BUSINESS INSURANCE QUOTES FROM MULTIPLECARRIERS
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 Coverage for common business risks including bodily injury, customer property damage, and advertising injury. Required for most commercialleases.
BEST FOR
* Slip-and-fall accidents. * Damaged customer property. * Libel or slander lawsuits. Learn About General LiabilityLearn More BUSINESS OWNER'S POLICY Coverage that bundles property insurance and general liability insurance under one plan. A BOP is often one of the most cost-effective commercial insurance policies.BEST FOR
* Customer injury.
* Damaged business property. * Business interruption incidents. Learn About Business Owner's PolicyLearn More PROFESSIONAL LIABILITY INSURANCE This policy, also called errors and omissions insurance, can help cover legal expenses if a business is sued for unsatisfactory work.BEST FOR
* Professional negligence lawsuits. * Project scope disputes. * Work mistakes or oversights. Learn About Professional LiabilityLearn More ERRORS AND OMISSIONS INSURANCE This policy, sometimes called professional liability insurance, is common with professional services. It can cover legal fees of lawsuits related to work performance.BEST FOR
* Business disputes. * Negligence accusations.* Work errors.
Learn About Errors and OmissionsLearn More WORKERS' COMPENSATION INSURANCE Required for businesses with employees in almost every state, workers' comp can help cover medical fees and lost wages for work-related illnesses and injuries.BEST FOR
* Employee medical expenses.* Missed wages.
* Legal costs.
Learn About Workers' CompLearn More CYBER LIABILITY INSURANCE This policy helps businesses survive data breaches and cyberattacks by helping to cover recovery expenses and associated costs.BEST FOR
* Data breach lawsuits. * Breach notification expenses. * Fraud monitoring costs. Learn About Cyber LiabilityLearn More Looking for different coverage? See more policies. WHAT OUR CUSTOMERS ARE SAYINGPrevious
Really fantastic service and follow-up. Didn’t feel pressured, felt like they were interested in my business.Ben Warga
Customer since 2016
Fast and friendly!
Cate Schmautz
Customer since 2017
Received confirmation of insurance on the spot! Great coverage, aswell.
Ariana Cason
Customer since 2017
I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!Jessica Shannon
Customer since 2016
My representative was FANTASTIC with his follow-up.David Dunavin
Customer since 2017
Great service, would recommend over and over!Ronda Closner
Customer since 2017
Really fantastic service and follow-up. Didn’t feel pressured, felt like they were interested in my business.Ben Warga
Customer since 2016
Fast and friendly!
Cate Schmautz
Customer since 2017
Received confirmation of insurance on the spot! Great coverage, aswell.
Ariana Cason
Customer since 2017
I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!Jessica Shannon
Customer since 2016
My representative was FANTASTIC with his follow-up.David Dunavin
Customer since 2017
Great service, would recommend over and over!Ronda Closner
Customer since 2017
Really fantastic service and follow-up. Didn’t feel pressured, felt like they were interested in my business.Ben Warga
Customer since 2016
Fast and friendly!
Cate Schmautz
Customer since 2017
Received confirmation of insurance on the spot! Great coverage, aswell.
Ariana Cason
Customer since 2017Next Call (800) 688-1984 8 a.m. - 5:30 p.m. CT, Monday- Friday
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