Yes, if you have employees, most states require you to carry workers’ compensation insurance.
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You can lower premiums by implementing safety measures, choosing higher deductibles, and bundling policies. Regularly reviewing and updating your coverage can also help ensure you have the best rates. [...]
A BOP combines general liability and commercial property insurance, covering risks such as property damage, business interruption, and liability claims.
The cost varies based on factors like the type of products sold, location, and number of employees. On average, it ranges from $500 to $2,000 annually for comprehensive coverage. [...]
