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Insureon Small Business Blog

The business owner’s guide for managing risk – and your business.

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General liability insurance
Why your commercial lease requires liability insurance
Landlords often require business owners to carry commercial rental insurance. Learn why you may need to purchase insurance before signing a lease, and the types of coverage you may need to carry.
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Recent posts

Friends at a bar.
Liquor liability insurance
Host liquor liability vs. liquor liability: Which do you need?

Depending on the type of business you own, you will need to invest in either host liquor liability or liquor liability insurance. Read on to learn the difference and decide which one is the right...

Computer monitor with ransomware message.
Cyber liability insurance
How ransomware is a big problem for small business – and what to do about it
Your small business probably doesn’t worry much about cybersecurity – and that’s exactly why you’re a target. Learn how to protect your business from ransomware attacks and other cyber threats.
Business people reviewing contract
Professional liability insurance
Who needs professional liability insurance?
Professional liability insurance is a must-have for many businesses, especially if you provide a service. Read on to see if this coverage is right for you.
A male arm looking through insurance papers.
Business insurance tips
What are insurance premiums, policy limits, and deductibles?
Being informed about key insurance terms can save you time and money when shopping for commercial insurance.
Waitress holding plates.
Restaurants
How to respond to customer complaints at your restaurant

Good food and happy customers are the key to success for any restaurant. That's why knowing how to handle customer complaints and deal with angry customers is integral to running a successful...

An office worker suffering wrist pain
Workers' compensation insurance
How does workers’ compensation work?
Workers' compensation covers the costs of work-related injuries and illnesses, like medical bills and lost wages. Here’s how workers’ comp works, and what you need to know as a business owner.
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Starting a business

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Two women examine code together on a computer display.
IT & technology professionals
Why startups need D&O insurance
If your startup wants to attract top talent, secure funding, or eventually go public, it's a good idea to have directors and officers insurance.
Woman fixing a computer
Computer repair & installation
How to become a freelance computer technician
Do you have what it takes to be a freelance computer technician? Find out what knowledge and technical skills you'll need to be successful in this profession.
Woman with a laptop drinking coffee
Starting a business
Sole proprietor vs. independent contractor: What’s the difference?

Both sole proprietor and independent contractor are terms that describe self-employed people. Which one applies to your business depends on the taxation structure and your professional relationships...

Growing a business

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Business consultant hanging framed certificate on office wall.
Consulting
What business consultants need to know about consulting certifications and licenses
In addition to obtaining a business license, consultants are strengthening their credentials with professional consulting certifications.
Man looks at his computer with concern.
Insurance professionals
What to do when your client wants to cancel a policy
Insurance cancellations are a fact of life for every insurance agent. Here’s how you can keep them to a minimum – and what to say when a customer wants to cancel.
Two house cleaners visiting a client
Cleaning services
How to get more clients for your cleaning business
No matter what type of cleaning business you operate, you can find new customers and keep existing ones happy without busting your budget.

Freelancing

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Woman fixing a computer
Computer repair & installation
How to become a freelance computer technician
Do you have what it takes to be a freelance computer technician? Find out what knowledge and technical skills you'll need to be successful in this profession.
Woman with a laptop drinking coffee
Starting a business
Sole proprietor vs. independent contractor: What’s the difference?

Both sole proprietor and independent contractor are terms that describe self-employed people. Which one applies to your business depends on the taxation structure and your professional relationships...

A woman and a man looking at computer screens.
IT & technology professionals
How to become a cybersecurity consultant
If you are looking for a rewarding and challenging career that is in extremely high demand, a job as a security consultant could be a good fit.

Business insurance tips

See more
Friends at a bar.
Liquor liability insurance
Host liquor liability vs. liquor liability: Which do you need?

Depending on the type of business you own, you will need to invest in either host liquor liability or liquor liability insurance. Read on to learn the difference and decide which one is the right...

A male arm looking through insurance papers.
Business insurance tips
What are insurance premiums, policy limits, and deductibles?
Being informed about key insurance terms can save you time and money when shopping for commercial insurance.
An LLC operation agreement and a cup of coffee.
Business insurance tips
Why your LLC needs business insurance

Forming a limited liability company can protect your personal assets, but that doesn’t mean your business assets are untouchable. Learn why your LLC faces risks like any other business structure –...

Data security for small businesses

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Computer monitor with ransomware message.
Cyber liability insurance
How ransomware is a big problem for small business – and what to do about it
Your small business probably doesn’t worry much about cybersecurity – and that’s exactly why you’re a target. Learn how to protect your business from ransomware attacks and other cyber threats.
Man in suit hands over notice of lawsuit.
IT & technology professionals
How to avoid getting sued for a data breach
When businesses experience a data breach, they may blame their IT professionals and sue. Here’s how your IT company can avoid these costly lawsuits.
An IT technician completes a checklist in a server room.
IT & technology professionals
8 tech E&O claims examples

Miscommunication, data breaches, and poor business protocols can lead to costly lawsuits for information technology consultants. Reduce your risk by protecting yourself with errors and omissions...

Human resources and hiring

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An office worker suffering wrist pain
Workers' compensation insurance
How does workers’ compensation work?
Workers' compensation covers the costs of work-related injuries and illnesses, like medical bills and lost wages. Here’s how workers’ comp works, and what you need to know as a business owner.
A judge and two lawyers
Workers' compensation insurance
How do workers' compensation settlements work? What you need to know
Workers’ comp settlements can be a simple matter – or a stressful court battle. Learn what’s involved, how settlements are calculated, and ways to reach an agreement.
Remote employee on video conference call.
Workers' compensation insurance
How does workers' comp work for remote employees?
Workers’ compensation insurance can be tricky when your employees are working from home. Here’s what you need to know about out-of-office work injuries and how to lower telecommuting risks.

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Learn about common business insurance policies

General liability insurance
General liability insurance

General liability insurance covers common business risks like customer injury, customer property damage, and advertising injury. It protects your small business from the high costs of lawsuits and...

Workers' compensation insurance
Workers’ compensation insurance
Workers’ compensation insurance covers medical costs and lost wages for work-related injuries and illnesses. This policy is required in almost every state for businesses that have employees.
Commercial auto insurance
Commercial auto insurance
Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.
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