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Business Insurance

Every business faces risk, but you can minimize the potential consequences by purchasing the right insurance policies. From general liability insurance to workers' compensation, our insurance guides explain coverage types, exclusions, rates and everything you need to know to protect your business.

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Accounting
Article
What Is a Loss Payee on an Insurance Claim?
By Nicole Urbanowicz | July 07, 2026
A loss payee gets paid first following an insurance claim.
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How Much Does Insurance Cost for a Small Business?
By Kimberlee Leonard | June 23, 2026
Insurance is vital for small businesses to protect against risks, and costs vary based on factors, such as industry and coverage needs.
mentor consulting an intern
Article
Excess Liability Insurance Explained
By Kimberlee Leonard | May 04, 2026
Learn how excess liability insurance works, what it covers, how it differs from umbrella policies and how to tell if your business needs it.
Article
Workers’ Comp Insurance: How Much Do You Need?
By Max Freedman | February 26, 2026
Determining the right level of workers' compensation coverage is a balancing act. Too much coverage can strain your budget, while too little leaves your business exposed to serious liability.
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How Does a Workers’ Comp Settlement Work?
By Kimberlee Leonard | February 20, 2026
The settlement process will depend on various factors, including your state.
Article
Things to Keep in Mind When Choosing Business Insurance
By Sean Peek | February 11, 2026
Choosing an insurance policy for your company or employees is a major step, and not one to take casually.
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Business Insurance Guide
By David Gargaro | January 28, 2026
This guide breaks down the basics of business insurance and what you should look for when searching for a policy.
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What Is Commercial Umbrella Insurance?
By Jennifer Dublino | January 22, 2026
Learn what umbrella insurance covers and how to decide if you need it.
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What Is Cyber Insurance?
By Sean Peek | January 22, 2026
Protect your business’s reputation and bottom line with insurance that helps you navigate a data breach or cyberattack.
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The Insurance Claims Process and How to File
By Nicole Urbanowicz | January 22, 2026
If your business suffers a loss that’s covered by insurance, you’ll need to file an insurance claim. Learn how an insurance claim works and how to file one.
Article
What Is General Liability Insurance?
By David Gargaro | January 20, 2026
If a customer is hurt on your premises, they can sue you. But general liability insurance can protect your business.
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What Is a Workers’ Comp Ghost Insurance Policy?
By Nicole Urbanowicz | January 20, 2026
You might need insurance coverage for workers’ compensation. Here’s when you should consider a ghost policy option.
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What Is Commercial Liability Auto Insurance?
By Kimberlee Leonard | January 15, 2026
Commercial auto liability insurance protects a business against the costly outcomes of at-fault accidents involving company vehicles.
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Workers’ Compensation Claim Process Guide
By Max Freedman | January 15, 2026
Learn the steps employees must take to receive insurance benefits after a work-related illness or injury.
Article
Employment Practices Liability Insurance: Why Small Businesses Need EPLI
By Jamie Johnson | January 15, 2026
EPLI protects your business from lawsuits brought by past or current employees. Learn how EPLI works and why your business needs it.
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What Is Intellectual Property Insurance?
By Kimberlee Leonard | January 15, 2026
Intellectual property insurance is vital for businesses that face the risk of infringement because it guards against costly litigation and protects intellectual assets.
Article
What Is Malpractice Insurance?
By Jennifer Dublino | January 15, 2026
Malpractice insurance is a critical policy that all those working in the medical industry should have.
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14 Ways to Save Money on Business Insurance
By Kimberlee Leonard | January 15, 2026
Cutting corners on business insurance is inadvisable; however, there are methods to lower insurance premiums without compromising coverage.
Article
What Are Insurance Endorsements?
By Nicole Urbanowicz | January 13, 2026
Effectively mitigate business risk by understanding different types of insurance endorsements and how to use them.
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Insurance Deductions and Expenses for Small Businesses
By Nicole Urbanowicz | January 13, 2026
Stop paying too much in taxes. Be sure to take all the deductions possible for your business insurance expenses.
Article
What Is Professional Negligence?
By Kimberlee Leonard | January 13, 2026
Some professionals are vulnerable to lawsuits when mistakes occur, even unintentionally.
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What Is an Insurance Rider?
By Kimberlee Leonard | January 13, 2026
Adding a rider to business insurance helps you reduce costs and better protect against losses.
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What Is a Workers’ Comp Exemption?
By Kimberlee Leonard | January 13, 2026
Workers’ compensation insurance is often legally required and recommended, but some people are exempt from coverage. Learn how a workers’ compensation exemption works.
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Specialty Insurance Basics
By Mark Fairlie | January 12, 2026
Businesses need specialty insurance for items not covered by ordinary homeowners or automobile insurance.
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What Is Tail Insurance in Business?
By Kimberlee Leonard | January 12, 2026
You can't predict when a business insurance claim will arise. Tail coverage offers essential protection for incidents that occur during a coverage period.
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Looking for Business Insurance? 10 Questions to Ask a Prospective Broker
By Kimberlee Leonard | January 09, 2026
A small business insurance broker can save you time and money, but only if you find the right person. Here are 10 questions to ask a potential broker.
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What Is Coinsurance in Business?
By Nicole Urbanowicz | January 09, 2026
Coinsurance helps cover property and business assets. Here's how it works.
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How Do Commercial Car Insurance Deductibles Work?
By Kimberlee Leonard | January 09, 2026
Commercial car insurance deductibles work just like personal auto insurance deductibles. Learn about collision and comprehensive claims deductibles.
Article
Commercial Car Insurance Laws by State
By Mark Fairlie | January 09, 2026
What are your state’s requirements for commercial auto insurance coverage? Learn what you and your business need to do to avoid penalties.