Accidents happen. No one intends for them to happen, but when they do its best you and your business are prepared and protected. General liability business insurance costs can be daunting, but with the right plan, your business can be protected from the inevitable. Lack of Insurance Small businesses are historically under insured. In a […]
Equip Your Business With The Right Coverage
In your small business, there are many factors that keep the ship sailing smoothly. To keep your company up and running, you need to protect your people and products. Often, when we think about small business coverage, our first thought is our people, but what about our tools and equipment? Business equipment insurance is something […]
Business Liability Costs: What should you consider when choosing a policy?
Why do businesses need business liability insurance? It is a question we get all the time. Many small businesses don’t realize just how important being properly insured is until disaster strikes. But what about the costs? Let us look at some trends affecting small business liability insurance costs today. Most business liability costs are determined […]
What is Independent Contractor Insurance?
Contractors are inherently exposed to more risks than you would be as an employee. Without adequate Independent Contractor insurance, mistakes, disasters, and lawsuits could leave you bankrupt and out of business, bringing an end to your livelihood. 1099 contractors are self-employed, which comes with all the benefits and downsides of self-employment. Though you’re free to […]
When Should You Review Your Commercial Insurance Policy?
Reviewing your commercial insurance policy is something you should do at a minimum once a year. However, you should also review it if you have any changes. Whether you have a business owner’s policy, a General Liability policy or a Professional Liability policy, take time to review your policy to ensure you’re well-equipped for the […]
Insurance for Contractors 101
Contractors have unique insurance needs. Independent contractors need insurance when they need it, and they often need it fast. But the regulations governing contractor insurance can be confusing. What general contractors does Coterie Insurance write? Coterie covers contractors that sub-contract out less than 50% of their work. However, Coterie does not write general contractors or […]
5 Ways Agents Can Help Small Business Owners with Home-Based Business Insurance
In the United States, nearly half of all businesses with no employees are home-based and of those with employees, 24% are home-based, according to the Small Business Administration. Despite the popularity of home-based businesses, more than 40% lack insurance for small business owners. The resulting underinsurance leaves many home-based businesses exposed to significant risks that could […]
What’s the Difference Between Workers’ Comp Insurance and General Liability Insurance?
Small business insurance is confusing. It can be difficult to understand the differences between workers’ comp (workers’ compensation) insurance and general liability insurance. While Coterie recommends finding an agent in your local community, learn more about the similarities and differences between general liability coverage and workers’ compensation. General Liability Insurance Explained A general liability insurance […]
