How much does business insurance cost? A 2026 guide by policy, industry, and risk
How much does business insurance cost? A 2026 guide by policy, industry, and risk Business insurance cost depends on the type of coverage, the size of your business, what industry you’re in, how many employees you have, and a handful of other factors that most generic guides skip over. A small office-based business might get […]
How Do I File an Insurance Claim for My Restaurant?
“How Do I File an Insurance Claim for My Restaurant?” is a question that many restaurant owners grapple with, especially when faced with unexpected incidents such as a kitchen fire, a break-in, or even a customer injury. Navigating the process of filing an insurance claim can often feel overwhelming, particularly while managing the day-to-day operations […]
What Types of Insurance Do I Need for My Restaurant
When opening or running a restaurant, it’s essential to understand the various types of insurance necessary to protect your investment. The restaurant business can be fraught with potential risks, from kitchen fires and foodborne illnesses to employee injuries and customer incidents. These hazards underline the necessity of having comprehensive insurance coverage. Insurance isn’t just a […]
How Much Does Restaurant Insurance Cost?
“How much does restaurant insurance cost?” is a question that often arises when someone is looking to open a restaurant or reassess their current insurance coverage. The cost of restaurant insurance can vary greatly depending on several factors, including the size of the restaurant, its location, the number of employees, and the specific types of […]
3 Reasons to Get Commercial Insurance for Your Small Business
Every small business owner is fully aware that operating a company in this economic climate is risky. The best thing you can do, is to pass the financial risks onto another party. This is the purpose of insurance. According to a recent survey, every year 35.2% of small business owners come across a situation that […]
Having Insurance Will Help You with Drywall Accidents
Drywall accidents happen frequently in construction and contractor work. It’s extremely important to know why you should have general contractors insurance. This is to ensure that you can protect your company from any lawsuits that may cause your business to shut down. As such, if you have insurance, you will be saving yourself time and […]
What is Professional Liability Insurance?
Professional liability insurance is designed to cover Principals that provide professional services. It protects them against claims from clients who suffer a financial loss due to errors or negligence that are caused by actions or in actions of the Principal. It‘s commonly referred to as Professional Liability Insurance or Errors & Omissions Insurance (Commonly referred to […]
The Four Basic Types of Insurance for a Subcontractor
As a new subcontractor, you might think that whoever you contract under will have a general liability insurance policy or some other insurance coverage that covers you. You may also think that the business owner’s policy covers you while you are on their site. Unfortunately, none of these options are true. In fact, there are […]
How to go From Hobby to Full Carpentry Business
It was during high school when you started in the carpentry program. You spent time learning to use power tools and hand tools. Next, you took classes where you learned about OSHA and the building codes you would need in a business. Then, you took the most boring class, the history of carpentry from Stone […]
Why a Business Plan is a Must Have Resource For Businesses Seeking Insurance
Maybe you’re a long-time independent contractor looking to expand the services you offer. Perhaps you’re an investor with a big idea and enough gumption to try and turn that idea into reality. At any rate, the first step on the path is creating a business plan. Not only does this keep you on track […]
Employee vs Sub Contractor
Smaller contractors generally have a limited understanding of how classifying workers as either employees or subcontractors affect the various types of insurance. This simple distinction can land you in proverbial quicksand and before you know it your overhead. This article will only deal with the insurance differences between the treatment of employees versus subcontractors or […]