Bed and breakfast insurance can help to keep a dream business safe

Bed and Breakfast Insurance - Victorian home

A B&B can be a highly rewarding home business, but ownership comes with very specific risks. Many people dream of opening a B&B and just as important as a perfect location and customer experience is the right bed and breakfast insurance. Many owners begin a B&B as the first business they have ever run and misunderstand the importance of coverage. There is often a far greater focus on trying to keep up with daily tasks, advertising effectively, and bringing in enough money. It’s not uncommon for B&B owners to assume…

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Why your customers will demand personal chef insurance before hiring you

personal chef insurance - chef - restaurant

It’s important for these culinary pros to learn that the best clients will require coverage. Personal chef insurance is among the first things you should purchase before cooking a professional meal for another person. There are many reasons that this coverage should be considered a foundation component to your business. This protection starts with liability insurance but expands beyond that depending on your services. The main issue is simply that chefs are people, too. Mistakes happen. Regardless of the care taken to avoid the mistakes, the training and experience they…

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Life coach insurance protects experts and the advice they give

Life coach insurance - business

This coverage is vital to protect against malpractice lawsuits that could come from dissatisfied clients. When checking all the boxes for a well run business, life coach insurance can be easy to overlook, but is one of the most vital steps to remember. This coverage can mean the difference between a highly successful small business or a complete financial catastrophe. When you have a great relationship with your clients, it can be difficult to imagine they might sue you. A lawsuit can seem to come out of nowhere, and it…

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Mechanics that own their own business need auto repair shop insurance

Auto Repair Shop Insurance - Mechanic working on vehicle

Garage liability coverage goes above and beyond what the usual business policy covers. Owning your own garage can be a very lucrative business, but auto repair shop insurance can make the difference in stopping one incident from shutting the whole thing down. This liability coverage is typically considered to be a necessity for garages of all sizes. In fact, garage liability insurance is often carried by tow truck drivers, auto dealerships and even service stations. The reason is that auto repair shop insurance provides specialized protection for business owners working…

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Baltimore will purchase $20 million in cyber liability insurance coverage

Cyber Liability Insurance Coverage - Baltimore

The city is taking preventative action after having already suffered a massive ransomware attack. Baltimore has just committed to purchasing $20 million in cyber liability insurance coverage. That city experienced a massive ransomware attack last spring. The city is still paying off the bills for the contractors who participated in the city’s digital recovery. The costs from the ransomware attack on Baltimore are increasingly coming due. As those expenses loom, city officials are preparing to purchase $20 million in cyber liability insurance coverage to pay for any potential disruptions that…

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Birthday and party clown insurance puts a smile on everyone’s face

Clown insurance - person dressed up as a clown

These entertainers need a specific type of coverage to protect them against their unique risks. Entertainers who work at birthdays and other types of parties can benefit from purchasing clown insurance coverage. Though most events will go relatively smoothly, it takes only one mishap involving an injury or damaged property during a performance to bring on a lawsuit with substantial financial consequences. Entertainment may sound fun but it is also a business in which liability protection is necessary. While some entertainers purchase general liability insurance, others look for specific clown…

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Is bookkeepers insurance for professional liability necessary?

Bookkeepers Insurance - accounting - computer - calculator

Many small business owners in this area don’t realize how important this coverage is. Bookkeepers insurance is an often overlooked by freelance professionals who don’t realize how vital it is to protect themselves against risks their general commercial liability policies don’t cover. This coverage is in the form of professional liability insurance. Keeping books involves a number of risks that are unique to this task and not covered by general policies. Professional liability bookkeepers insurance helps to protect your business or consultancy from risks general commercial liability policies don’t cover.…

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