Event Cancellation Insurance: What It Covers, What It Excludes, and How to Set Your Limit
Event cancellation insurance repays sunk deposits and lost revenue when disaster strikes — but disease, weak sales, and late buys are excluded.
#business-insurance
Business Insurance
Types of business insurance, coverage options, costs, and risk management strategies for small business owners
Hired and Non-Owned Auto Insurance: Who Pays When Employees Drive Their Own Cars
If an employee crashes their own car on a work errand, your business can be sued. HNOA covers that liability gap — what it covers, excludes and costs.
Sign Painter Bookkeeping: Pricing Per Square Foot, Costing Gold Leaf, and Weather Days
Price sign jobs per square foot, bill gold leaf and lift rental to the job, and keep cash reserves for weather days.
Pet-Sitting Insurance: Why Care, Custody, and Control Coverage Matters More Than General Liability
General liability excludes pets in your care; a $100–$300 CCC endorsement closes the gap. Deduct premiums on IRS Schedule C, Line 15.
Snow Tubing Hill Bookkeeping: Session Pricing, Lift Costs, and Surviving a 10-Week Season
A tubing hill earns its year in about 70 days. Track revenue per session-slot, hold a weather reserve, and book deposits and gift cards as liabilities.
Equipment Breakdown Insurance: The $500-a-Year Policy That Covers What Your Property Insurance Won't
Equipment breakdown insurance pays for internal failures your property policy excludes — typically $25–$50 a year per $50,000 of equipment, spoilage included.
Bounce House Rental Business Insurance: The Coverage Gaps and How to Book Every Premium
General liability won't cover your own inflatables in transit. The four-policy stack bounce house renters need, and how to book premiums under IRS rules.
A Certificate of Insurance Isn't Coverage: What Additional Insured Status Actually Gives Your Business
A certificate of insurance confers no rights — only the endorsement does. What additional insured status covers, the CG 20 10/20 37 forms, and what it costs.
The Workers' Comp Ghost Policy: A COI With No Employees to Cover
A workers' comp ghost policy covers nobody — it buys the COI a general contractor demands for $750–$1,200 a year. Who qualifies, and what the audit checks.
Why Your Insurer Paid Less Than the Repair Bill: ACV vs. Replacement Cost and the 80% Coinsurance Penalty
An 80% coinsurance clause pays $36,750 on a $50,000 loss when you carry $600,000 on a $1,000,000 building. Here is the math, and four ways to avoid it.
Pay-As-You-Go Workers' Comp: Stop Fronting Premiums on Payroll You Haven't Run Yet
Pay-as-you-go workers' comp bills each payroll on actual wages instead of estimates — no big deposit, smaller audit surprises, smoother cash flow.
Tech E&O Insurance: What Software Developers and IT Consultants Are Actually Covered For
Tech E&O insurance pays your legal defense and damages when buggy code, bad advice, or missed deadlines cost a client money — solo policies run $60–$110/month.