Kymberlin started contributing to Merchant Maverick as a freelancer in 2022 and joined the team as the full-time small business health insurance expert in 2023. She earned her Bachelor of Arts in Creative Writing from Pacific University in 2020 and continues to reside in Portland, Oregon.
At its most basic, a business insurance quote is a document that shows what you could expect to pay for a policy from an insurance provider. Each business quote will be different due to the unique needs of each business and factors such as industry, number of employees, past insurance claims, and deductibles.
While small business health insurance is an additional expense for your business, the benefits for both you and your employees are likely worth the cost. Potential tax benefits for your business and happier and more productive employees make adding health insurance as a benefit a win-win for your small business.
You need a loss run report to negotiate lower premiums with your existing or new insurance provider, determine risks associated with running your business, and establish a plan to help mitigate potential hazards.
Even though you are not legally required to purchase health insurance for a single employee by law, there are still great reasons to offer health benefits. Health insurance is not a trivial purchase — your employees work harder and better when they feel protected and healthy. Now, with the addition of the tax benefits and expanded options, it’s easy to finally make it happen.
Health care is daunting, complicated, and time-consuming. So, for small businesses without a large HR department, navigating the health insurance process can suck up time and energy that you simply don’t have. Check this complete guide on small business health insurance.
Thinking about starting a food truck business but not sure how to start? This article brings you through the whole process step-by-step, from creating a business plan to funding and marketing your business and everything else in between.
If you rent a storefront for your small business (or plan to in the future), business renters insurance is likely a requirement for your present or future lease. Read on to learn everything you need to know about business renters insurance, including what it covers, where to buy a policy, and how much it will cost you!
How much general liability insurance you need will depend on many factors. The amount of insurance coverage your business needs depends on your specific risks, what type of business you run, the number of employees you have, etc.
To determine how much workers’ compensation insurance you need, you have to take into consideration your business’s income, the number of workers you employ, their payroll, and minimum coverage requirements in your state. Your policy should be able to cover two-thirds of your employee’s yearly wage, but you should also consider coverage for medical bills and ongoing care if your industry is prone to work-related accidents.
Even though you are not legally required to purchase health insurance for a single employee by law, there are still great reasons to offer health benefits. Health insurance is not a trivial purchase — your employees work harder and better when they feel protected and healthy. Now, with the addition of the tax benefits and expanded options, it’s easy to finally make it happen.
Commercial property insurance is designed to protect your business from accidents, theft, fires, and some (but not all) Acts of God. If the worst-case-scenarios for your property come to fruition, a solid commercial property insurance plan creates a way for your business to run and thrive despite the setbacks.
Most home insurance policies are there to protect the house and the homeowners — not a business. If you run a small business out of your home, you should consider adding business insurance as an endorsement to your plan or invest in business insurance separately.
Thinking about starting a consulting business? Wondering where you’ll get the money? Learn everything you need to know in our guide!
Thinking about selling your own t-shirts? Learn what you need to do to get started in our step-by-step guide!
Do you have a plan to deal with a loss of income or pay for utilities that aren’t working? What if you have to temporarily relocate? Read this informative article to learn more about business interruption insurance, including exactly what it covers, how to buy it, and more.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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