professional 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

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