An additional insured gets protection under your policy through an endorsement, not a certificate. See how it differs, what to check and what it can cost.
BusinessAlabama requires workers' comp at five employees, counting part-timers and officers, plus 25/50/25 auto liability. See BOP, COI and lease contract basics.
BusinessA certificate of insurance sums up your business coverage for a client or landlord. See how to request a COI, what it shows and what needs an endorsement.
Cyber insurance can pay a small business's breach response costs and claims by others. See what it covers, what drives cost and what an insurer will ask about.
EPLI covers employee claims of discrimination, harassment and wrongful termination. See what it excludes, how claims-made timing works and what to do next.
Florida requires workers' comp at four employees, or one in construction, and commercial auto for business vehicles. See penalties, BOP basics and what to ask.
Georgia businesses with three or more regular employees need workers' comp, and registered vehicles need liability cover. See BOP basics, costs and agent tips.
Umbrella and excess liability both add limits above your other policies, but excess follows one policy while an umbrella can sit over several. See what to ask.
A workers comp audit swaps your estimated payroll for actual payroll. See what the auditor asks for, how the final premium is set and how to dispute a bill.
Connecticut requires workers' compensation for employees and insurance on commercial vehicles. See what else depends on leases, contracts and licenses.
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