Keep in mind, affordable is not the same as a bare bones establishment. Rather, it’s a commitment to keeping payments as low as possible, in tune with your business model and actual needs. Cost-effective services you should be on the lookout for include free copies of your Certificate of Insurance, and the ability to add as many Additional Insureds as you want. This may sound minor. But if you’re working lots of jobs, these payments (which can often be billed at $10+ per certificate) can add up.
Additionally, the insurance company you work with should value simplicity. All policies should be easily accessible, and easy to understand, with no fine print. If you need help, a human should always be around to help you out, quickly and clearly.
Since your business is individual to you, you definitely want your business insurance to be tailored to your needs. A handyman, a house cleaner and a yoga instructor all have different insurance requirements. And you only want to be paying for the coverage that’s relevant to you.
Bottom-line, highly reliable yet cheap liability insurance coverage is definitely attainable. It’s even something you should expect!***
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