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Independent Contractor unloading a cargo van

The Basic Insurance Needs of Independent Contractors

Independent contractors often run substantially smaller operations than large or specialty contracting firms. As a result, the principal operator might feel that they need substantially lower commercial insurance benefits. On one hand, this is true, because smaller businesses often need lower amounts of insurance coverage. However, they still need as diverse a set of benefits …

Woman with professional attire

Do I Need Professional Liability?

Professional liability insurance serves to cover certain businesses and individuals who offer a specialized or professional service. If you offer a unique service, one that often requires a license or permit, you will typically need professional liability insurance. Professionals who invest in professional liability insurance often include: Medical professionals Lawyers Accountants Financial advisers Architects Engineers …

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Common Losses Covered by Liability Insurance

When putting together your business’s liability insurance portfolio, you will need both foundational coverage and expanded benefits that are customized to your particular operation. To get their benefits started, most business owners purchase commercial general liability (CGL) insurance, which is foundational coverage, and which can be augmented by additional, separate liability policies. Let’s take a …

Commercial vehicle on the street

What Does Commercial Auto Mean?

When looking to start a business that includes travel or transportation, you may often hear the term “commercial auto” or “commercial vehicle.” Both refer to vehicles specifically used for work purposes. These are generally not personal vehicles, but trucks and such that are used for specific work. Types of Commercial Vehicles There are many different …

Woman wondering about personal or commercial auto insurance

What is the Difference Between Personal Auto Insurance and Commercial Auto Insurance?

No matter what vehicle you drive, auto insurance is required in order to operate legally on the road. But there are many different policies to choose from, and not all of them are right for you. Personal auto insurance is the most common type of auto insurance that every driver operating a personal vehicle carries. …

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