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As a business owner, you've poured your heart and soul into building your company's reputation. But have you considered how quickly that could unravel due to a lawsuit or claim against your professional services? Professional liability insurance, also known as errors and omissions (E&O) coverage, is a critical safeguard that can protect your business from the potentially devastating financial impact of alleged mistakes or negligence. While you strive to deliver excellent work, even the most diligent professionals can face legal action. This specialized insurance coverage can shield your assets and allow you to operate with confidence, knowing you're prepared for the unexpected. Understanding Professional Liability Insurance Professional Liability Insurance, or E&O coverage, is designed to protect businesses that provide professional services or advice. This policy safeguards your company from financial losses due to claims of negligence, mistakes, or failure to perform professional duties. Key components of Professional Liability Insurance typically include: * Legal defense costs * Settlements or judgments * Alleged or actual negligence * Copyright infringement claims * Personal injury (e.g., libel or slander) How it Differs from General Liability Unlike General Liability Insurance, which covers bodily injury and property damage, Professional Liability focuses on financial losses resulting from your professional services. This coverage is particularly important for businesses in fields like consulting, law, accounting, and healthcare, where advice and expertise are central to the services provided. Even if you're not at fault, defending against a claim can be costly. Professional Liability Insurance ensures you're protected, allowing you to focus on what matters most – running your business with confidence. Why Your Business Needs Professional Liability Coverage Safeguarding Against Costly Lawsuits Even a baseless claim can lead to significant legal fees and potentially devastating payouts. Professional Liability Insurance covers these expenses, protecting your business from financial ruin. Maintaining Client Trust Having this coverage demonstrates your commitment to quality service and reassures clients that you're prepared to make things right if something goes wrong. This can enhance your professional reputation and give you a competitive edge. Meeting Industry Requirements Many industries require professional liability insurance. For example, healthcare providers need malpractice insurance, while IT consultants often need technology E&O coverage. Ensuring you have the right protection keeps you compliant and competitive. Enjoying Peace of Mind With Professional Liability Insurance, you can focus on growing your business without constant worry about potential lawsuits. This peace of mind allows you to take calculated risks and innovate in your field. Conclusion In today's litigious business environment, professional liability insurance is not just a luxury—it's a necessity for many companies. By protecting your business against claims of negligence, errors, or omissions, this coverage can be the difference between weathering a legal storm and facing financial ruin. Coverdash can help you secure the Professional Liability coverage your business needs to thrive. By leveraging our access to over 30 leading insurance carriers, we can provide you with customized solutions at the best possible price. Get your free quote today and ensure your business has the protection it requires to succeed.

We're thrilled to announce our new partnership with Swyft Filings, a leading provider of corporate formation services. As a one-stop-shop for business incorporation and management, Swyft Filings has assisted in the formation of hundreds of thousands of LLCs and corporations, equipping entrepreneurs with the tools and resources they need to get their business off the ground and manage it effectively. The best time to ensure your business is protected is right after you've completed the necessary paperwork to get up and running. Coverdash's embedded insurance solution now integrates directly into Swyft Filings' seamless incorporation flow, enabling newly formed businesses to instantly obtain tailored coverage while they complete their formation process - all with the click of a single button. This provides business owners with the necessary protection against risks they may face from day one. Small businesses face a myriad of risks, from lawsuits to unexpected accidents and disasters. In fact, 53% of small businesses face litigation each year. Yet, nearly 30% remain uninsured, leaving them vulnerable to financial turmoil that could disrupt operations. Business insurance is an essential safeguard, protecting companies from the legal and financial pitfalls that threaten their livelihood. Through our partnership with Swyft Filings, entrepreneurs can now easily obtain a comprehensive suite of tailored commercial insurance coverage alongside their incorporation and business services. Swyft Filings users can source essential policies like general liability, business owner's policies, workers' compensation, cyber liability, professional liability, and more - all within the same platform they use to form and operate their company. Additionally, users can now seamlessly manage their coverage and download Certificates of Insurance (COIs) directly from the Swyft Filings dashboard. Checking off business insurance requirements is the natural next step post-formation, and Coverdash's embedded insurance technology allows new businesses to protect themselves from the start with industry-leading pricing and coverage options. This powerful integration empowers entrepreneurs to secure the essential protection their business needs from the very beginning of their journey. Together with Swyft Filings, we're helping small businesses get up on their feet so that they can focus on taking those crucial first steps towards growth and success. By seamlessly combining incorporation and insurance, we're providing a comprehensive solution to support entrepreneurs as they launch and grow their enterprises. About Coverdash Coverdash is a fully digital business insurance agency that specializes in serving the insurance needs of businesses of all shapes and sizes. Coverdash's embedded technology enables any partner to host its end-to-end insurance experience with a single line of code. Coverdash is headquartered in New York and is a licensed insurance agency across all 50 states. Interested in partnering with Coverdash? Check out: https://www.coverdash.com/partner About Swyft Filings At Swyft Filings, we believe starting a business should be simple. That’s why we created an easy, fast, and affordable way for entrepreneurs to form their LLC, C Corp, S Corp, or Nonprofit. Since 2015, we’ve helped over 300,000 businesses get up and running without the hassle of complex paperwork or high legal fees. Our automated filing service, backed by a knowledgeable team, takes care of the details so you can focus on what matters—growing your business. Disclaimer: Swyft Filings is a document filing service and does not provide legal advice. You should consult with an attorney if you seek specific legal guidance regarding business formation.

As a restaurant owner, you've poured your heart and soul into creating a thriving business. But have you considered the risks that could jeopardize everything you've built? From kitchen fires to customer injuries, the restaurant industry faces unique challenges that demand comprehensive protection. Business insurance isn't just a smart choice—it's often a necessity for lease agreements and legal compliance. The Importance of Business Insurance for Restaurants Protecting your livelihood is paramount. In the fast-paced world of restaurant ownership, business insurance isn't just a prudent choice—it's often a necessity. Many landlords require proof of insurance before leasing space, and some states mandate specific coverage types. But beyond meeting requirements, comprehensive insurance safeguards your investment and hard work. Shielding Your Assets A Business Owner's Policy (BOP) is the cornerstone of restaurant insurance. This package combines property and liability coverage, protecting your physical assets—from kitchen equipment to dining room furnishings—against damage or theft. It also shields you from common liability risks, such as customer injuries on your premises. Complying with Legal Requirements Workers' compensation insurance is mandatory in most states for businesses with employees. This coverage protects both you and your staff, providing financial support for work-related injuries or illnesses. Failing to carry workers' comp can result in hefty fines and legal troubles. Securing Your Operations Beyond the basics, restaurants face unique risks. Food spoilage insurance can reimburse you for inventory losses due to power outages or equipment breakdowns. Liquor liability coverage is crucial if you serve alcohol, protecting against claims related to intoxicated patrons. By tailoring your insurance portfolio to your specific needs, you're not just meeting obligations—you're ensuring your restaurant can weather unexpected storms and continue serving delicious meals for years to come. Essential Coverages for Restaurants * Property Protection: A comprehensive Business Owner's Policy (BOP) is crucial, typically including property insurance to protect your building, equipment, and inventory. * Liability Safeguards: General liability insurance is a must-have, shielding you from claims related to customer injuries or property damage. For restaurants, it's wise to add product liability coverage, which protects against food-borne illness claims. * Workers' Compensation: Most states mandate this coverage, which protects your employees in case of work-related injuries or illnesses. * Business Interruption Insurance: Consider adding this coverage to your policy to help cover lost income and ongoing expenses if your restaurant must temporarily close due to a covered event. * Cyber Insurance: In today's digital landscape, this insurance can help safeguard your restaurant against data breaches, cyber attacks, and other technology-related risks. Understanding a Business Owners Policy (BOP) for Restaurants A BOP is a cornerstone of restaurant insurance, providing comprehensive coverage tailored to the unique needs of food service establishments. This policy combines several essential protections into one package, offering both convenience and cost-effectiveness for restaurant owners. Why Workers' Compensation Insurance is a Must It's a legal necessity in most states, protecting both your business and your employees. Without proper coverage, your restaurant could face significant financial strain. By investing in workers' comp, you're creating a safer, more secure work environment and demonstrating your commitment to your staff's well-being. Conclusion Comprehensive business insurance safeguards your restaurant against unforeseen risks, ensuring continuity in the face of adversity. From meeting lease requirements to shielding your property and employees, the right coverage is essential. By investing in proper insurance, you not only comply with legal obligations but also secure peace of mind. Don't wait until an incident occurs to recognize the value of proper insurance protection. Coverdash can help you secure the coverage your business needs to thrive. By leveraging our access to over 30 leading insurance carriers, we can provide you with customized solutions at the best possible price. Get your free quote today and ensure your restaurant has the protection it requires to succeed.

As a business owner, you have a legal obligation to protect your employees. At the core of this responsibility is Workers' Compensation insurance - a coverage that not only safeguards your workforce but also shields your company from significant financial and legal risks. Meeting the Legal Mandate for Workers' Compensation In most states, businesses with employees are legally required to carry Workers' Compensation insurance. Failure to comply can result in severe penalties, including hefty fines, stop-work orders, and even criminal charges. Maintaining the proper coverage is not just a best practice - it's an essential element of operating a compliant business. Beyond Legal Compliance While meeting state regulations is critical, Workers' Compensation insurance offers far-reaching benefits that go beyond mere legal obligations. This coverage: * Ensures your workers receive prompt medical care and lost wage replacement after a workplace injury or illness * Protects your business from costly lawsuits related to on-the-job accidents * Demonstrates your commitment to employee well-being, aiding talent attraction and retention Comprehensive Protection for Your Workforce and Business Workers' Compensation insurance shields your company from a wide range of workplace risks, including: * Occupational injuries and illnesses * Permanent disabilities resulting from job-related incidents * Fatalities occurring on the job By having this coverage in place, you're providing your employees with peace of mind while also safeguarding your own financial stability and business continuity. Choosing the Right Workers' Compensation Policy When selecting a Workers' Compensation insurance plan, be sure to consider: * Your industry's unique risk factors and required coverage levels * Applicable state regulations and compliance standards * Your company's safety programs and risk management strategies * The financial strength and claims handling capabilities of potential insurers Don't Wait Until It's Too Late As a responsible business owner, you can't afford to overlook the legal requirements and strategic importance of Workers' Compensation insurance. Failing to have the proper coverage in place can expose your company to significant risks, liabilities, and operational disruptions. Partner with Coverdash to secure the Workers' Compensation protection your business needs. By leveraging our access to over 30 leading insurance carriers, we can provide you with customized, cost-effective solutions tailored to your specific requirements. Get your free quote today and ensure your workforce and company are safeguarded against the unexpected.

As a new business owner, you've poured your heart and soul into launching your venture. But have you considered how to protect it from unforeseen risks? General Liability insurance is a crucial safeguard for your fledgling enterprise, shielding you from potentially devastating financial losses. This type of coverage not only protects against common business risks but also opens doors to essential opportunities. From securing loans to leasing commercial space, proof of insurance is often a requirement for critical business transactions. In this blog post, you'll discover why General Liability insurance is indispensable for your new business and how it can pave the way for your company's growth and success. Protection Against Common Business Risks General liability insurance covers various scenarios, including customer injuries on your premises, property damage caused by your operations, and even legal costs for defending against lawsuits. By having this coverage, you're protecting both your assets from potential financial losses that could otherwise cripple your new venture. Demonstrating Business Maturity Beyond financial protection, general liability insurance serves as a signal of your business's responsibility and maturity. Many stakeholders, including customers, landlords, and lenders, view this coverage as a mark of professionalism. It demonstrates that you're prepared to handle potential risks, which can be particularly important for new businesses seeking to establish credibility in the market. Key Coverages Provided by General Liability Insurance * Bodily Injury Protection: This coverage helps shield your business from costs associated with injuries that occur on your premises or as a result of your operations. * Property Damage Coverage: If your business operations cause damage to someone else's property, this aspect of general liability insurance can help cover the costs of repairs or replacements. * Personal and Advertising Injury: This coverage protects against claims of libel, slander, and copyright infringement, which is particularly important for businesses with a strong online presence or those engaged in marketing and advertising activities. * Legal Defense and Settlements: Perhaps one of the most valuable aspects of general liability insurance is its provision for legal defense costs and potential settlements, which can be essential for protecting your business's financial stability. When Proof of General Liability Insurance is Required * Contractual Obligations: Many clients, especially larger corporations, will insist on seeing a Certificate of Insurance (COI) before engaging your services. This document verifies your coverage and protects both parties from potential financial risks. * Leasing Commercial Space: When seeking to rent office or retail space, landlords typically require tenants to have General Liability Insurance. This coverage demonstrates your business's responsibility and protects the property owner from potential lawsuits arising from incidents on their premises. * Securing Business Loans: Financial institutions often view General Liability Insurance as a sign of a mature, responsible business. Having this coverage can make your business a more attractive candidate when applying for loans or lines of credit, and in some instances, it may even be a requirement to secure a loan. Choosing the Right Policy When selecting a general liability insurance policy, consider: * Industry-specific risks and appropriate coverage limits * Additional endorsements that might be necessary for your specific operations * The policy's coverage territory and whether it matches your business operations footprint Conclusion: Safeguard Your Business's Future with General Liability Insurance As a new business owner, your primary focus is on driving growth and realizing your vision for success. However, it's essential to also protect your venture with the right general liability insurance coverage. From customer injuries and property damage to advertising mishaps and legal challenges, a range of risks could significantly impact your ability to operate and expand. The right general liability policy not only provides vital financial protection but also demonstrates your business's commitment to responsible operations and professionalism. By investing in this coverage today, you're not merely safeguarding your assets—you're laying the foundation for sustainable growth and establishing credibility with stakeholders, clients, and partners. Don't wait until an incident occurs to recognize the value of proper insurance protection. Coverdash can help you secure the coverage your business needs to thrive. By leveraging our access to over 30 leading insurance carriers, we can provide you with customized general liability solutions at the best possible price. Get your free quote today and ensure your venture has the protection it requires to succeed.

NEW YORK – Coverdash, the fastest growing startup and SMB-focused insurtech broker, and LendingTree, the nation’s leading online financial marketplace, today announced a partnership to provide LendingTree customers with access to business insurance for the very first time. This strategic collaboration expands LendingTree’s suite of financial products for small to medium-sized businesses (SMBs), providing them with an efficient and streamlined way to obtain business insurance and fulfill financial requirements. Coverdash’s fully embedded insurance offering provides business insurance to LendingTree customers without ever having to leave the platform. This partnership marks an important step in LendingTree’s evolution by expanding its services for small businesses beyond loans and financial products to now include comprehensive insurance solutions. A study by the Federal Reserve Bank found that businesses that demonstrated lower risk profiles – which includes carrying insurance – were 25% more likely to be approved for loans compared to higher-risk businesses. By integrating Coverdash’s business insurance offering, LendingTree not only enhances its own platform but also empowers small businesses to reduce their risk profile, increasing their chances of securing a loan and supporting their long-term growth. “LendingTree’s legacy in financial services is unmatched, and we’re incredibly proud to have our embedded experience power their expansion into business insurance,” said Ralph Betesh, Co-Founder and CEO of Coverdash. “Meeting financial requirements while starting a business is complex – our partnership lets business owners easily access trusted resources in one place at every stage of their company’s life cycle.” The integration removes traditional barriers to acquiring business insurance and simplifies the process for business owners, helping them manage risk and protect their operations. Coverdash’s embedded technology enables SMBs to access instant quotes from the nation’s most recognized carriers, allowing them to compare and purchase policies that meet their specific needs. These coverage options include General Liability, Workers' Compensation, Business Owners Policy, Cyber Insurance and more. Coverdash empowers partners like LendingTree to increase customer engagement, boost revenue, and reduce customer acquisition costs by offering business insurance as an additional product. “We’ve always played an integral role in helping small businesses get off the ground with our loans and financing programs, so offering business insurance was the natural next step,” said Jenn Ash, General Manager, Small Business & Student Loans at LendingTree. “This partnership with Coverdash deepens our commitment to supporting our customers' growth, reinforcing our position as their trusted, long-term partner for all of their financial services needs." Coverdash and LendingTree are on a dedicated mission to help small and medium-sized businesses succeed by simplifying financial solutions. Together, they are not only providing an innovative and frictionless experience for securing essential coverage but also empowering small business owners to focus on what they do best – growing their businesses with confidence. About Coverdash Founded in 2022, Coverdash is a fully-digital business insurance agency committed to transforming the business insurance process for startups and small businesses. Coverdash's revolutionary embedded technology enables any partner to host its end-to-end insurance experience with a single line of code. Coverdash serves SMBs and startups from concept all the way to Series D+. The company is headquartered in New York and is a licensed insurance agency across all 50 states. For more information, visit www.coverdash.com. About LendingTree LendingTree (NASDAQ: TREE) is one of the nation's largest and most experienced online financial platforms, created to empower consumers and businesses alike to win financially. LendingTree provides customers with access to a broad range of financial products—including loans, credit cards, insurance, and more—through its network of over 600 financial partners. Since its founding, LendingTree has helped over 120 million customers obtain financing, save money, and improve their financial health. For more information, visit www.lendingtree.com. MEDIA CONTACT Bianca Roses: bianca@rosespr.com

As a florist, your passion for creating beautiful arrangements brings joy to your customers, whether for weddings, birthdays, or simply brightening someone’s day. But behind the artistry of floristry lies a business that, like any other, faces risks. One of the most effective ways to safeguard your floral shop from these risks is by having comprehensive business insurance. Property Protection Your shop is more than just a place where you create stunning floral designs; it’s also home to valuable assets like flowers, refrigeration equipment, display materials, and office supplies. From natural disasters like storms and floods to accidents like fires, property damage can happen when you least expect it. Business insurance ensures that if your shop suffers damage, the costs to repair or replace damaged assets are covered. This includes everything from your floral inventory to high-end refrigeration units that keep your flowers fresh. Protecting Against Legal Claims Running a florist shop involves direct interaction with customers, whether they’re visiting your store or receiving deliveries. If a customer slips and falls in your shop or trips over a delivery box, you could be held liable for their medical expenses and legal fees. Liability insurance covers such incidents, ensuring that you’re not financially burdened by customer injuries or accidents on your premises. Even if a lawsuit arises, insurance will cover your defense costs, helping you avoid a financial disaster. Workers’ Compensation Insurance: Protecting Your Employees If you have employees, workers’ compensation insurance is not only a smart choice, but it’s also often required by law. This insurance provides coverage if an employee is injured on the job—whether they’re lifting heavy floral arrangements, cutting stems, or handling deliveries. Workers' compensation covers medical expenses, lost wages, and rehabilitation costs for injured employees, as well as providing protection from potential lawsuits related to workplace injuries. Commercial Auto Insurance: Deliveries  As a flower shop owner, your delivery vans and service vehicles are essential for ensuring timely deliveries and customer satisfaction. However, accidents can occur, leading to costly vehicle repairs, medical bills, or even legal claims.  Commercial auto insurance protects your business by covering expenses related to vehicle damage, liability for injuries, and lawsuits, helping you keep your deliveries on schedule without disruptions. Covering Your Rainy Days Imagine this: a major storm causes significant damage to your floral shop, forcing you to close for repairs. Not only would you lose valuable business during the downtime, but you’d also face ongoing bills like rent, utilities, and payroll. Business interruption insurance steps in to cover lost income during periods when your shop is closed due to a covered event. This allows you to maintain your business operations or rebuild without falling behind financially. Tailoring Insurance to Your Needs Every florist’s business is unique, and so are the risks they face. Beyond standard coverage, there are specialized options that can be tailored to meet your specific needs: * Spoilage Coverage: Protects against the loss of perishable flowers and plants due to refrigeration breakdowns or power outages. * Equipment Break down: Covers the cost of repairing or replacing essential equipment, like floral coolers that malfunction. * Seasonal Increases in Inventory: During peak times like holidays or wedding season, you may carry more stock than usual. Some insurers offer policies that automatically increase your coverage during these periods. Conclusion: Protect Your Floral Business with Comprehensive Insurance While your focus as a florist is on creativity and service, the importance of protecting your business can’t be overstated. From property damage and customer injuries to accidental mishaps and employee injuries, there are numerous risks that could impact your ability to operate. The right business insurance not only provides financial protection but also peace of mind, allowing you to focus on what you do best—creating beautiful floral arrangements for your customers. Don’t wait until disaster strikes. Speak to an insurance professional today and ensure your florist business has the protection it needs to thrive, no matter what comes your way. By prioritizing business insurance, you’re investing in the long-term success and sustainability of your floral shop. Stay protected, stay prepared, and keep blooming! Need help finding the right insurance for your flower business? Get a quote here https://www.coverdash.com/quote.

No matter what phase of business you’re in, protecting your business against financial loss is always a priority. Business insurance can help ensure you keep your hard-earned profits where they belong. If you have questions about insurance for your small business, look no further. We have answers to the top questions asked by business owners so you can keep your business and financial assets protected. Who Needs Small Business Insurance? Small business insurance protects small businesses across every industry, including freelancers, e-commerce merchants, and any small business. The Small Business Association (SBA) defines a small business as a for-profit business that meets certain requirements for annual receipts and the number of employees. While that standard varies across industries [https://www.sba.gov/document/support-table-size-standards], the typical threshold for small businesses is fewer than 1,500 employees and a maximum of $38.5 million in average annual receipts. Sole proprietors, LLCs, and corporations can all be considered “small businesses.” There is no such thing as “too small” for insurance; if you are operating a business, you can benefit from the risk-protective benefits of small business insurance. Why Do I Need Small Business Insurance? When you run a business, you risk lawsuits and financial losses resulting from your business operations. Imagine if a customer slipped and fell on the floor of your coffee shop, resulting in large medical bills. Or if the delivery person for your flower business crashed your business vehicle into another car while making their delivery rounds. Your products could injure a customer, or your consulting advice could lead to a client’s financial loss. There are a million different ways your business operations could lead to injury, property damage, financial loss, or even a data breach. Small business insurance can help protect your finances in the event of an unexpected or unforeseen incident, helping you keep your hard-earned money in your bank account. In some cases, small business insurance could help protect your personal assets, too. For example, if you’ve structured your business as a sole proprietorship, you could be personally liable for your business's debts, losses, and liabilities. There is no legal separation between you and your business. Debts, liabilities, and losses stay with your business for some LLCs and corporations. But one slip and fall claim or accident could mean the difference between keeping your doors open or closing up shop for good. What Insurance Does My Small Business Need? There are a number of insurance policies designed to protect your small business. While your insurance needs may vary depending on your type of business and industry, below are the most common types of insurance policies that any business would need in order to be protected. General liability is a type of business coverage that covers third-party injuries, property damage, and advertising injuries, including claims for libel, slander, and copyright infringement. That slip and fall accident at your shop is included in this coverage: general liability is designed to cover the medical and legal costs associated with someone getting injured as a result of your business operations. Professional liability is a type of business insurance that’s meant to protect you against claims that your service, advice, or consultation resulted in a financial loss for your client. Professional liability is also known as errors and omissions (E&O) coverage, and it’s meant to cover legal costs and claims if a client alleges that your mistakes, omissions, or oversight resulted in a financial loss. Product liability is a business insurance policy designed to protect you as the manufacturer or seller of a product. If a client is injured as a result of your product, then you’ll want this coverage in place to help cover the costs associated with a claim for a defective product that you make or sell. It helps ensure you won’t have to pay out of pocket for medical bills, legal fees, and any judgments or settlements from a defective product lawsuit. BOP (business owners policy) is a cost-effective way to bundle together multiple business insurance policies for one lower price. BOPs typically combine general liability with commercial property coverage, however, you may be able to tailor a BOP and add additional coverages for your business. By bundling separate policies into one BOP package, business owners typically pay less than if purchasing these as separate policies. Cyber liability insurance is designed for business owners who handle sensitive information, such as customer information, credit card numbers, or sensitive client information. Cyber liability is intended to cover the costs of credit monitoring, notifying customers of a breach, legal fees, and reputational damage if your business ends up in a data loss/ data breach situation. Workers compensation insurance is designed to protect the hardworking people who help your business grow and succeed. Workers’ comp covers your employees’ illness or injury if they get sick or hurt while performing their jobs. While many business insurance policies are optional, workers compensation is one of the few types of coverage required by law in most states. If you hire any employees, whether part-time or full-time, you’re likely required to cover them with workers compensation insurance. See a state-by-state guide to workers’ comp requirements. [https://www.nfib.com/content/legal-compliance/legal/workers-compensation-laws-state-by-state-comparison-57181/] Is Insurance Required To Run My Small Business? Like we mentioned above, some insurance policies are required to operate your small business. Workers’ compensation, for example, is required by law in nearly every state if you have employees or if you are an owner on the business payroll. Other policies, such as general liability insurance, may be required in certain instances. * A client may require you to carry general liability coverage in order to bid on a job * A jobs platform like Fiverr may require you to carry GL in order to list your services * An ecommerce platform like Amazon or Walmart may require you to carry GL to sell online In other instances, you may be “required” to carry business insurance if you want to be covered for a claim. For example, if you are using your personal auto for business purposes, you’ll need to have commercial auto coverage to cover any accidents or injuries that result from you driving for business purposes. If you are involved in an auto accident while using your business-owned vehicle, or if you or an employee is driving your vehicle for business purposes, your personal auto coverage will not cover your claim. Where Do I Find Small Business Insurance? Shopping for small business insurance can often feel overwhelming. Where do you start? Coverdash specializes in insurance for small business owners, freelancers, and ecommerce businesses. Our small business professionals shop through insurance products from top-rated carriers in order to find the right coverage for your specific operation at rates your small business can afford. Our entire team is dedicated to helping protect your small business as you grow and scale, so you can focus on what’s coming next for your team rather than worrying about one accident, injury, or unexpected event sending you off track. Request a quote for business insurance from Coverdash and start protecting your small business today.