Insureon Small Business Blog

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Our top stories

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How small businesses can reduce liabilities
Every small business has liabilities, which can lead to pricey lawsuits. Knowing how to reduce your company’s liability and secure a financial cushion can help you protect your business from costly liability claims.

Recent posts

Person in bakery standing next to the words "What does workers' comp insurance cost?"
What workers' comp costs and why it works for small businesses

When you own a small business, you don't have to pay a lot for workers' compensation insurance. In this short video, find out how much you can expect to pay for this policy, and how Insureon can help...

Average reading time: 1 minutes
A nail salon technician works on a customer's hand
What to know about nail salon technician licenses and certifications
The licensing requirements for nail salon technicians vary by state. Having the right licensing and insurance can help keep you financially protected within the personal care industry.
Average reading time: 5 minutes
Overworked business person at desk with paperwork.
Top 7 risks for understaffed small businesses

Many American businesses are struggling to hire enough staff these days, which can adversely impact their operations. This makes it hard for them to satisfy customers and to hang on to the employees...

Average reading time: 5 minutes
A closeup of a woman's smile at the dentist.
How dentists can avoid malpractice claims and lawsuits
A dental malpractice claim can be expensive, with settlement costs ranging from tens of thousands to $1 million or more. You can reduce your chance of a claim through communication and documentation.
Average reading time: 6 minutes
Picture of judge with gavel.
What is the difference between a judgment and settlement?
A lawsuit against a business typically ends in three different ways: the case is dropped, there’s an out-of-court settlement, or there’s a judgment issued by a jury or a judge.
Average reading time: 8 minutes
A business owner reviews a document with a client.
Who needs errors and omissions insurance?

Errors and omissions (E&O) insurance can cover your legal expenses if an unsatisfied client sues your business for any mistakes or oversights. Anyone who provides professional advice or services to...

Average reading time: 4 minutes
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Business insurance tips

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How to write an insurance cancellation letter
If you need to cancel a small business insurance policy for some reason, be sure to follow your insurer's procedures and to file a written cancelation letter.
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How to choose the right insurance company for your small business
Working with the right insurance company can help you secure the best insurance coverage for your small business. This guide breaks down how to find the right provider for your unique needs.
Safety equipment for construction workers.
8 workplace safety tips for employers
Cultivating a safe work environment protects your employees and your business, in addition to saving you money.

Growing a business

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A view of people working on computers through a glass wall.
How to start an IT services business
Researching competitors, finding funding sources, and protecting yourself with contracts and business insurance are just a few of the steps you should take when you start an IT services business.
Man looks at his computer with concern.
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.
A small business after being heavily damaged by a hurricane.
Prep your business for hurricane season
Many small businesses don’t survive natural disasters, such as hurricanes and tropical storms. The time to get ready for a hurricane is long before the season starts.

Starting a business

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A view of people working on computers through a glass wall.
How to start an IT services business
Researching competitors, finding funding sources, and protecting yourself with contracts and business insurance are just a few of the steps you should take when you start an IT services business.
A person mops in front of a caution wet floor sign.
What types of business insurance do you need for a cleaning company?

General liability insurance, workers' compensation insurance, property insurance, and janitorial bonds keep your cleaning business safe from financial liabilities. Learn more about the types of...

Two people reviewing documents together at an office desk with a laptop.
How to choose the right insurance company for your small business
Working with the right insurance company can help you secure the best insurance coverage for your small business. This guide breaks down how to find the right provider for your unique needs.

Freelancing

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Toy business men standing on a notebook with dashed lines on it.
Sole proprietorship vs. LLC: What you need to know

A sole proprietorship is a business that’s owned and operated by one person, while a limited liability company (LLC) can be formed by an individual or a group of entrepreneurs. Each has their own...

Small business owner shaking hands with contingent workers.
What is a contingent worker, and how can they help your small business?

For most small businesses, having a reliable team of employees is essential. But instead of hiring employees on a full-time basis, you might find that contingent workers, or temporary employees, are...

Freelancer working from home on her laptop
What insurance do you need if you work from home?

Whether you’re running a business from home or telecommuting, working from home has risks that might not be covered by your homeowner’s or renter’s insurance. There are several policy options to...

Data security for small businesses

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Cybersecurity experts discussing over a computer.
Is cyber insurance worth it for small businesses?
If you think cybercriminals only target big businesses, think again. Many hackers prefer to target small businesses because they often lack the same cybersecurity defenses as large corporations.
Medical team having a meeting about HIPAA security compliance.
The three rules of HIPAA: What small businesses need to know

The Health Insurance Portability and Accountability Act (HIPAA) was established in 1996 to protect sensitive patient health information (PHI) from being disclosed without a patient's knowledge or...

A laptop and a lock symbol.
How to start a cybersecurity company
If you’re thinking of launching a cybersecurity business, begin with the basics. Make sure you have the right certifications, funding, structure, and business plan to set yourself up for success.

Human resources and hiring

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A personality profile assessment for employment on a clipboard.
Pre-employment screening tests: When are they legal?
It is crucial for your small business to avoid inadvertently discriminatory pre-employment screening tests as part of your hiring process.
Safety equipment for construction workers.
8 workplace safety tips for employers
Cultivating a safe work environment protects your employees and your business, in addition to saving you money.
Small business owner shaking hands with contingent workers.
What is a contingent worker, and how can they help your small business?

For most small businesses, having a reliable team of employees is essential. But instead of hiring employees on a full-time basis, you might find that contingent workers, or temporary employees, are...

Insureon video library

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Business owner standing next to the words "The best business insurance guide"
Best commercial insurance for small businesses

In this video, we briefly cover the most necessary and affordable types of insurance small business owners need. We also provide our recommendations for the best, top-rated insurance carriers for...

Person standing next to the words "How much does a business owner's policy (BOP) cost"
How much do small businesses pay for a business owner's policy?

The most common policy bundle is a business owner's policy (BOP), which includes general liability insurance and commercial property insurance. The average cost of a business owner's policy is only...

Hair stylist sectioning a client's hair in front of a mirror next to a text box that reads "Best Hair Salon Insurance"
Do I need hair salon insurance?

Running a salon means juggling more than appointments and client care—you’re also responsible for protecting your space, team, and reputation. In this video, we cover the most important business...

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