general liability insurance

Photography and Event Business Insurance: What Coverage Contracts and Venues Actually Require

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Photography and event business insurance is the coverage photographers, videographers, and event professionals need to satisfy venue contracts and protect against equipment loss, liability claims, and missed-event disputes. A photographer who loses a wedding’s only memory card to equipment failure faces a completely different kind of claim than one whose light stand tips over and … Read more

Salon and Spa Insurance: What Coverage Beauty and Wellness Businesses Actually Need

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Salon and spa insurance is the coverage beauty and wellness businesses need to protect against the unique risks of working directly on clients’ skin, hair, and bodies with chemicals, heat, and sharp tools every day. Salon and spa owners often assume their business owner’s policy covers everything that happens in the chair — and then … Read more

Cleaning Business Insurance: What Coverage (and Bonding) Clients Will Actually Ask For

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Cleaning business insurance is the coverage residential and commercial cleaning companies need to protect against property damage, employee injury, and theft accusations that come with working inside clients’ homes and offices every day. Most cleaning business owners assume general liability insurance is the whole conversation — and then lose a commercial contract because the property … Read more

Contractor and Construction Business Insurance: What Coverage You Actually Need

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Contractor insurance protects general contractors, subcontractors, and construction trades from the liability, property, and injury risks that come with building, renovating, and repairing structures on someone else’s property. A general contractor’s insurance program almost never looks like one policy — it’s usually five or six pieces stacked together, because a construction business faces risks a … Read more

LLC vs. Sole Proprietorship: How Your Business Structure Affects Your Insurance Needs

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Understanding LLC vs sole proprietorship insurance differences matters before choosing how to structure a new business, since the entity type directly changes which risks fall on personal assets and which coverages become essential. Forming an LLC gets sold, informally, as a kind of instant force field — pay the state filing fee, and suddenly your … Read more

Freelancer and Self-Employed Insurance: What You Actually Need (and What Clients Will Require)

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Freelancer insurance is the coverage that protects independent contractors, consultants, and other self-employed workers from the financial risks that come with running a one-person business. Most freelancers assume business insurance is something for companies with a storefront and employees — not a one-person operation working from a laptop. Then a client contract lands with an … Read more

Commercial Umbrella Insurance: Do You Need Extra Liability Coverage?

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Small business owner standing in storefront doorway at dusk conveying protection and stability

Commercial umbrella insurance kicks in once a lawsuit or claim exceeds the limits on your underlying general liability, auto, or employer’s liability policy. A commercial umbrella policy doesn’t add new types of coverage — it adds more of the coverage you already have, sitting on top of your general liability, commercial auto, and employer’s liability … Read more

Product Liability Insurance: What Small Businesses Need to Know

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Small business worker inspecting a leather product for quality control in a workshop

If your business makes, distributes, or sells a physical product, product liability insurance protects you when that product injures someone or damages their property. If your business makes, sells, distributes, or even just imports a physical product, general liability insurance alone doesn’t fully cover what happens when that product hurts someone or damages their property. … Read more

Commercial Auto Insurance for Small Business: When Your Personal Policy Isn’t Enough

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Small business commercial delivery van with driver doing a pre-trip walk-around inspection

Commercial auto insurance is almost always required the moment a vehicle is titled to your business or used to haul tools, equipment, or paying customers. If you or anyone on your payroll drives anywhere for work — even just running to the post office in a personal car twice a month — your personal auto … Read more