Have questions about business insurance, claims or certificates? We’ve got you (and your business) covered.
Can I get Business Insurance if I'm a plumber in California?
Plumbers in California need to protect themselves against potential risks, including accidents, injuries, medical and legal fees, and property damage. Fortunately, you can get business insurance for financial protection against these risks. Types of insurance for plumbers Types of insurance for plumbers include: General liability insurance: This type of insurance can protect against claims of property damage for property you don't own or bodily injury to a non-employee that may occur during plumbing work.Workers' compensation insurance: This insurance is required by law in California if you have employees and can provide coverage for medical expenses and lost wages if an employee is injured on the job.Commercial auto insurance: This insurance is necessary if the plumber uses a vehicle for business purposes, such as transporting equipment or traveling to job sites.Professional liability insurance: Also known as errors and omissions insurance, this insurance can provide protection against claims of professional negligence or mistakes that may result in financial losses for clients. How NEXT helps plumbers It's important to make sure you protect your plumbing business with the right type of insurance to avoid paying entirely out of pocket for any financial losses. NEXT offers fast, affordable and tailored plumbing business insurance for plumbers in California. To view your options, simply apply online and get an instant quote in less than 10 minutes. You'll have instant access to your certificate of insurance once you purchase coverage, and you can share it 24/7 with the NEXT app. » Follow this comprehensive guide for plumber licensing requirements by state
Asked 14 days ago
Do I need a license to get pressure washing business insurance?
Pressure washing insurance is designed to protect businesses that offer pressure washing services. It can provide coverage for losses or damages that may occur during pressure washing operations and liability protection in case someone is injured or property is damaged due to these services. But each state has its own set of licensing requirements for businesses. If you're planning to start a pressure washing business, you may also need an occupational license to operate the pressure washer. Specific steps you need to take to obtain licenses or permits will vary depending on the state you plan to operate in. Failing to comply with the licensing requirements in a particular state can result in fines or other penalties, so it's best to apply for the necessary licenses before purchasing pressure washing insurance. What types of insurance might your pressure washing business need? Pressure washing businesses typically purchase general liability insurance that can protect against third-party claims of bodily injury or property damage that may occur during pressure washing operations. These businesses may also need a combination of other insurance policies to extend the coverage of risks. These policies can include: Commercial auto insurance — This can provide coverage for vehicles used for pressure washing services.Workers' compensation insurance — This can provide coverage to employees who are injured on the job.Errors and omissions (E&O) insurance - This can help with financial protection should you or your business be accused of professional negligence or not delivering a service as agreed upon.Commercial property insurance — This can provide coverage for damage to the pressure washing equipment, tools and other property used in the business. NEXT can help pressure washing businesses get insured Finding the right coverage for your pressure washing business is easier than you might think. With NEXT, you can get an online quote, choose a tailored coverage plan and share a certificate of insurance in a matter of minutes. We even have a team of licensed U.S.-based advisors who can answer any questions you might have and talk through your specific requirements with you. » Explore NEXT's cleaning business insurance options
Asked 14 days ago
Are gyms considered buildings for commercial insurance?
Gyms are generally considered buildings for commercial insurance purposes. A gym business insurance package can provide financial help for different types of damage. For example, if a fire breaks out and damages gym equipment, property insurance can help cover the cost of replacements or repairs. Additional insurance considerations for gyms In addition to property insurance, gyms may also need: Liability insurance This includes general liability insurance and professional liability insurance, which can protect against potential lawsuits or claims from customers that are injured while using the gym's facilities or equipment. Liability insurance can generally cover legal fees, medical expenses and other costs associated with such claims.Workers' compensation insurance This can be necessary for gym owners who have employees. It can provide benefits to employees who are injured or become ill while on the job by helping to cover medical expenses and lost wages. How NEXT can help protect your gym It's important to make sure your gym has proper commercial property insurance because it provides financial protection against unforeseen events such as property damage, accidents or liability claims. Protect your gym building and your business with customized insurance coverage that meets all of your business needs. Easily get an instant quote online or reach out to our U.S.-based insurance professionals with any questions.
Asked 17 days ago
What types of insurance do beauty salons need?
Opening the beauty salon of your dreams can be incredibly rewarding. However, it also requires that you take the necessary steps to protect your business. One of those steps is ensuring you have the right business insurance in place. Like many small business owners, beauty salon owners are susceptible to various risks, so having the right insurance can provide protection when a claim is made against your business. Remember that you may need additional coverage depending on where your salon is located and what services you offer. However, most salons may need: General Liability insurance General liability insurance can help cover a variety of risks: Damages to property that doesn't belong to youPotential client claims relating to things like slip and fall injuries and reputational harm Legal fees and defense costs Professional Liability insurance Professional liability insurance can cover claims of negligence or misrepresentation and any mistakes that occur during your regular business operations, such as complaints about the quality of services provided or errors in the advice you've given. It can also cover legal defense costs to hire the necessary representation to defend your business. In a beauty salon context, professional liability insurance can cover damages caused by: Incorrectly dyeing or cutting a customer's hairA customer's skin reacts negatively to products used during treatmentsProblems with waxing services Workers’ Compensation insurance Workers’ compensation insurance can protect your business and employees in the event of work-related injuries or illnesses. It can help pay for lost wages, medical expenses, retraining, permanent injury benefits, and survivor benefits. You can also be protected from financial losses if an employee file a lawsuit against your business. » Discover who should file a workers' comp claim: Employer or employee? » Explore a breakdown of workers' compensation costs Protect your beauty salon with NEXT By investing in the right beauty insurance for your salon, you can protect not only your business but yourself as a business owner and your employees. Easily get a customized insurance quote from NEXT that takes all of your needs of your profession into consideration. Get started with a free instant quote. » Sorted your insurance needs? Follow these tips to grow your beauty business
Asked 17 days ago
Can I get liability insurance as a floor installer in Illinois?
Liability insurance is an important consideration to protect yourself and your business if you are a floor installer in Illinois. It can protect you from financial losses that can arise from lawsuits or claims against you, including legal fees and medical expenses if someone other than an employee gets hurt. Accidents can happen even with the best of intentions and precautions. Liability insurance can provide peace of mind and protection in case of unexpected incidents. Types of liability insurance The main liability insurance options available to floor installers in Illinois include: General liability insurance: Can provide coverage if property that doesn't belong to you gets damaged or if someone that's not an employee gets injured.Professional liability insurance: Can protect you against claims of negligence and business mistakes. » Learn more about tile, stone and flooring installer insurance Ready to take the NEXT step? Liability insurance is an essential consideration for floor installers in Illinois. It can protect your business from financial losses in case of unexpected incidents and provide peace of mind. Being a floor installer is hard work, but getting insurance tailored to your industry, state, and business doesn't have to be. Get an instant quote from NEXT by just answering a few questions online. Once you've purchased coverage, you can instantly access your certificate of insurance online our with the NEXT app. » Just getting started? Here's how to start a successful floor installation business
Asked 17 days ago