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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 …

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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 …

Professional Business woman in need of Business Owner Insruance

Who Needs Professional Liability Insurance?

Professionals have advanced skills and knowledge that are lacking in non-professionals. However, their years of training do not guarantee that human errors will not happen. They are legally responsible for any harm that comes to their clients. It is recommended that all types of professionals consider getting professional liability coverage. Mental Health Professionals Mental health …

General Liability Insurance

General Liability Insurance

General Liability Insurance: This is an insurance policy for businesses who need to protect their assets against various legal claims. This type of policy is often bundled with property insurance in a business owner’s policy, or BOP. However, self-employed independent contractors will often obtain this policy separately from property insurance. This coverage will protect the …

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