Health insurance companies design, sell, and manage plans that help people pay for medical expenses, from routine check-ups to major surgeries and long-term treatments. Choosing the right insurer can impact not only your monthly premium, but also the quality of care, waiting times, and out-of-pocket costs over many years. This complete guide explains how health … Read more
Business general liability insurance protects companies from third-party claims of bodily injury, property damage, and advertising injury caused by business operations. Average cost: $30–$80 per month for $1M coverage – the most essential policy for 95% of small businesses. This guide covers everything about business general liability insurance: complete coverage details, 12 real claim examples, … Read more
Workers comp insurance for small businesses covers employee injuries and illnesses from work, paying medical bills, lost wages, and rehabilitation costs. Legally required in nearly all states for businesses with employees, with average costs of $50–$200+ per month based on payroll and industry risk. This guide explains state requirements, 2026 pricing by industry, real claim … Read more
Freelancers need tailored insurance to protect against lawsuits, data loss, and professional mistakes that can end careers overnight. Average cost: $35–$85 per month for essential coverage protecting your personal assets and business reputation. This 2,200-word guide covers everything freelancers need: best insurance types, real pricing by profession, claim examples, top providers, tax deductions, and client … Read more
Product liability insurance protects businesses that manufacture, distribute, sell, or resell physical products from claims that their products caused bodily injury, property damage, or economic loss. With average costs of $40–$120 per month added to general liability policies, this coverage is essential for any business handling tangible goods. This comprehensive guide covers every aspect of … Read more
