Business Insurance
Business Insurance articles
Coverage guidance for small business owners, contractors, and entrepreneurs.
All categoriesGeneral liability insurance for small businesses: what it covers and why you need it
General liability is the foundation of most small business insurance programs. Here's what it does and doesn't do.
Workers' compensation for small businesses: what North Carolina requires
Most North Carolina employers are required to carry workers' comp once they have employees. Here's how the threshold works and what the coverage does.
Commercial auto vs. personal auto: when your personal policy isn't enough
Using your personal vehicle for business is common. Using your personal auto policy to cover it is riskier than most people realize.
Why small businesses are the most common cyber attack target
Large companies make headlines, but small businesses face the most cyberattacks. Here's what cyber insurance actually covers.
Does your business need professional liability (E&O) insurance?
General liability covers physical harm. Professional liability covers financial harm caused by your advice or work. Most service businesses need both.
Does your business qualify for a Business Owners Policy (BOP)?
A BOP bundles general liability and commercial property at a discounted rate, but not every business is eligible.
General liability vs. professional liability: do you need both?
Two policies that sound similar but cover almost entirely different risks, and most service businesses need at least one of each.