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Tutor
Education consulting
Musical instruments and teachers
Career and technical education teachers
Acting lessons
Computer lessons
Vocal coach
Creative Services
Advertising and Promotions Managers
Editorial Services
Graphic Designers
Marketing
Photo Editing, Scanning and Restoration
Photographer
Print Binding and Finishing Workers
Videographers
Wedding and Event Invitations
Writer
Beauty and Personal Care
Barber
Beautician
Cosmetologist
Day Spas
Esthetician Services
Hair Stylist
Laundry Services
Makeup Artists
Nail Technician
Personal Assistant
Shoe Repair
Tailors, Dressmakers and Custom Sewers
Cleaning and Janitorial
Carpet Cleaning
Floor Waxing
House Cleaning and Maid Service
Janitorial Services
Pressure Washing
Window Cleaning
Sports and Fitness
Dance Instructor
Fitness Instructor
Fitness Studios
Golf Instructor
Indoor Cycling Instructor
Martial Arts Instructor
Personal Trainer
Sports Coach
Umpires, Referees and Other Sports Officials
Yoga Instructor
Health and Wellness
Community Health Workers
Dentists
Doctors
Home health aides
Mental health counselors
Nurse Practitioners
Pediatricians
Frequently Asked Questions
General Liability
General Liability Insurance protects businesses from financial losses due to claims of bodily injury, property damage, or personal and advertising injury caused by business operations, products, or services. It covers legal fees, medical expenses, and settlements if a third party sues the business.
What is Workers' Compensation?
Workers’ Compensation Insurance provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, rehabilitation costs, lost wages, and death benefits. This insurance is legally required in most states for businesses with employees.
What is covered by a Cyber Liability policy?
Cyber Liability Insurance protects businesses from financial losses due to cyberattacks, data breaches, and other cyber-related incidents. It typically covers costs such as:
- Data breach response and notification
- Legal fees and regulatory fines
- Business interruption due to cyberattacks
- Cyber extortion (e.g., ransomware payments)
- Public relations and reputation management
What is a Business Owner Policy (BOP)?
A Business Owner Policy (BOP) combines several essential types of insurance into one package for small and medium-sized businesses. It typically includes:
- General Liability Insurance
- Commercial Property Insurance (covering buildings, equipment, and inventory)
- Business Interruption Insurance (covering lost income due to a covered event)
Why do I need Employment Practices Liability Insurance (EPLI)?
EPLI protects businesses against claims from employees related to wrongful employment practices, including:
- Discrimination (based on age, gender, race, etc.)
- Harassment (including sexual harassment)
- Wrongful termination
- Retaliation
- Wage and hour violations
Since employee lawsuits are common and costly, EPLI helps protect businesses from legal and settlement expenses.
Why is it important to have an Errors & Omissions (E&O) policy?
Errors & Omissions Insurance (also called Professional Liability Insurance) protects businesses and professionals from claims of negligence, mistakes, or inadequate work. It is essential for businesses that provide services or expert advice, such as:
- Consultants
- Real estate agents
- Accountants
- Lawyers
- IT professionals
E&O insurance covers legal fees, court costs, and settlements if a client sues for financial losses due to errors or failure to meet expectations.