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Workers comp insurance is a critical safeguard for businesses and employees alike. This complete guide explains coverage, costs, benefits, laws, and how to choose the right policy. What Is Workers Comp Insurance? Workers comp insurance is a form of business insurance that provides financial and medical benefits to employees who are injured or become ill … Read more

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

Professional liability insurance, also known as errors and omissions (E&O) insurance, protects businesses from claims of negligence, mistakes, or failure to deliver professional services as promised. With average costs of $50–$150 per month for $1 million coverage, it’s essential for service-based businesses facing potential lawsuits over advice or work quality.​ This comprehensive guide covers everything … Read more

General liability insurance is essential protection for small businesses against claims of bodily injury, property damage, and advertising injury caused by your operations. With average costs of $30–$80 per month for $1 million coverage, it safeguards against lawsuits that could cost tens of thousands.​ This complete guide covers what it protects, real claim examples, pricing, … Read more

Small businesses need different insurance types based on their operations, risks, and legal requirements. The six most common coverages protect against lawsuits, property damage, employee injuries, and cyber threats.​ This guide, types of small business insurance, explains each policy type, what it covers, who needs it, typical costs, and real examples. Use it to build … Read more