Business
How to Get a Surety Bond: Types, Costs, and the Steps to File One
A surety bond is a three-party guarantee. Get the obligee's written requirement, apply through a licensed producer, pay the premium, sign and file the bond.
Business insurance guides
More guides, page 2
Business
Inland Marine Insurance: What It Covers, Why It Is Called That, and Who Needs It
Inland marine insurance covers business property that moves, travels or sits away from your premises. See what it covers, what it excludes and what to ask.
Business
General Liability vs Professional Liability Insurance: Which One Your Business Needs, or Both
General liability covers third-party injury and damage from your operations; professional liability covers client losses from your advice. Learn which you need.
Business
What Insurance Does a Small Business Need: The Coverage to Buy First and What Can Wait
Start with what the law, your lease, contracts or lender require, then look at general liability, property, professional liability and a BOP. See what can wait.
Business
New York Disability and Paid Family Leave Insurance: What Employers Must Carry and What It Costs
Most New York employers must carry DBL and Paid Family Leave coverage once an employee works 30 days. See what each pays, who counts and what no coverage costs.
Business
New York Business Insurance: What Is Required, What Is Worth Having, and What It Costs
New York does not require one insurance package for every business, but employers face workers' comp, disability, and PFL rules. See limits, costs, and checks.
Business
Maine Paid Family and Medical Leave: Contributions, Benefits and What Employers and Workers Need to Know
Maine Paid Family and Medical Leave pays partial wages for up to 12 weeks for leave starting on or after May 1, 2026. See rates, the wage cap and how to apply.
Business
Maine Small Business Insurance: What the Law Requires, Workers' Compensation, and What to Ask an Agent
Maine employers must secure workers' compensation unless an exemption applies. See who counts as an employee, the penalties and other coverage to ask about.
Business
Massachusetts Paid Family and Medical Leave: Employer Requirements, Contribution Rates and Private Plans
Massachusetts PFML costs 0.88% of covered wages in 2026, up to $184,500, and pays up to $1,230.39 a week. See who pays, leave limits, private plans and filings.
Business
Massachusetts Small Business Insurance: What the Law Requires and What Is Worth Asking About
Massachusetts requires workers' compensation for every employee and auto insurance for every registered vehicle. See what leases, contracts and licenses add.