Business Insurance

Workers' compensation rates are affected by several factors. Learn what workers' compensation covers, and how to calculate rates and meet requirements.

Excess liability insurance is extra coverage that kicks in once an underlying policy hits its limits. Learn how it works and what it covers.

If a property is at risk for loss or damage during construction, consider builder's risk insurance. Learn what builder's risk covers and who needs it.

A business owner's policy is a packaged insurance policy that includes general liability coverage and property insurance coverage. Learn more here.

Commercial property insurance covers the building and items that you own or lease against such perils as fire, explosions, theft, and vandalism.

A hold harmless agreement releases a party from the consequences of another's actions. Learn how and when to use a hold harmless agreement in business.

Product liability insurance is needed for businesses that make, sell or distribute products. Learn about what it covers and how much it costs.

An insurance policy that service-related businesses need is professional liability insurance. Learn about what it covers and protects against.

If your business has employees, nearly every state requires you to have workers' compensation insurance. Learn about what it covers and how much it costs.

E&O insurance guards your business against lawsuits brought by dissatisfied customers. Find out what it covers and costs, and whether you really need it.

Commercial auto insurance is critical for businesses that operate vehicles and have employees driving for work purposes. Here is what you need to know.

Auto insurance can be tax deductible when you use your vehicle for business. Learn what you can write off and how to find the best tax strategy for you.

Here's a look at seven questions lenders ask small business borrowers and the reason for each one.

Fiduciary liability insurance protects a business from claims that a benefits plan was mismanaged. Learn what fiduciary liability insurance covers.

If a lawsuit targets a firm's directors and officers, directors and officers insurance protects their personal assets. Learn how D&O insurance works.

Cyber and data breach insurance cover data breach costs, but cyber adds more protection. Learn how to choose the right insurance for your business.

A key component of an insurance policy is restitution for those who have a claim against you. Here’s how indemnity insurance provides that.

What are your state's requirements for commercial auto insurance coverage? Learn what you and your business need to do to avoid penalties.

Surety bonds act as a legally enforceable guarantee that help small business owners secure third-party contracts. Learn how they work.

Business insurance is critical – and complex. Learn how to vet a reputable broker who can help you decide which risks to insure against and for how much.

Commercial car insurance deductibles work just like personal auto insurance deductibles. Learn about collision and comprehensive claims deductibles.

Coinsurance for small businesses helps cover property and business assets, so the insurer knows there's adequate coverage. Here's how it works.

Insurance risk is the probability of an adverse event that causes an insurance claim. Learn how business insurance risk is assessed and how to lower it.

Subrogation lets an insurance company recover money for insurance claims from a third party. Learn how subrogation works in various insurance types.

A business needs specialty insurance for items not covered by ordinary homeowners or automobile insurance. Learn if your company needs more insurance.

Tail insurance is a policy endorsement that lets you file a claim after a policy's term ends. Learn how tail coverage can protect your business.

Insurance endorsements are a way to broaden or narrow coverage on an existing insurance policy. Here's how insurance endorsements work for your business.

This guide explains how workers' compensation exemptions work and to which employees these exemptions may apply.

While standard business insurance policies protect your business, when extra coverage is needed, you'll obtain a rider. Learn how riders work.

Professional negligence is when an industry professional doesn't properly fulfill their duties, leading to damage or harm. Learn how to avoid lawsuits.