Business Insurance for Freelancers and Solopreneurs: What to Get First
Freelancers usually need general liability plus professional liability, with limits that match client contracts. Here is the starter stack, in order.
Topic
Business Insurance
Insurance guides for small business owners: costs, coverage, and what each policy actually does.
38 guides
Insurance Broker vs Buying Online: What’s Better for Small Business
Brokers shop multiple carriers and advocate at claim time; online platforms are faster for simple risks. How to choose, and what to ask either way.
How Much General Liability Coverage Do I Need? A Small Business Limits Guide
The standard $1M/$2M policy works for most small businesses, but contracts, industry, and revenue growth can change the math. A practical guide to picking your limits.
Workers Comp Class Codes Explained: How Your Rate Really Gets Set
Workers comp premiums come down to four-digit class codes and a dollars-per-$100-of-payroll rate. Here is how the formula works and how wrong codes cost you.
Commercial Auto Insurance Cost in 2026: What Small Businesses Pay
The median small business pays about $142 a month for commercial auto insurance. Here is what drives that number up or down, and how to pay…
General Liability vs Professional Liability: Which One Your Business Actually Needs
General liability covers physical-world accidents; professional liability covers mistakes in your work. Most businesses eventually need both. Here's how to tell which one you need first.
Certificate of Insurance (COI): What It Is and How to Get One
A certificate of insurance (COI) proves your business has coverage. Learn what is on a COI, why clients ask for one, and how to get it…
Workers Comp Audits: What Happens and How to Prepare
A workers comp audit adjusts your premium to match actual payroll and job classifications. Learn what auditors check and how to avoid a surprise bill.
Surety Bonds vs Insurance: What Contractors Need to Know
Surety bonds and insurance are different things, and contractors often need both. Learn the difference and what bonds typically cost.
Liquor Liability Insurance: What Restaurants and Bars Need to Know
Liquor liability insurance covers alcohol-related claims against restaurants and bars. See typical costs and what the coverage includes.
Inland Marine Insurance: Covering Tools and Equipment That Move
Inland marine insurance covers your tools and equipment wherever they go, not just at your listed business location. Here is how it works and what it…
Commercial Umbrella vs Excess Liability: What’s the Difference
Commercial umbrella and excess liability both add limits above your primary policies, but they work differently. Learn which one fits your business.
