Have questions about business insurance, claims or certificates? We’ve got you (and your business) covered.
How can I protect my civil engineering business against negligence claims?
Civil engineer insurance, which can include a professional liability policy, can help with negligence claims. How Professional Liability insurance can help Professional liability insurance, also known as errors and omissions insurance, can help protect your business against legal claims arising from alleged negligence, work errors or misrepresentation in your provided services. Here are a few scenarios showing where professional liability insurance can come to your rescue and help with legal costs: Design errors - If a structural flaw in your design leads to a building collapse, causing your client to lose money, professional liability coverage can help.Construction defects - Should a fault in your supervised construction lead to property damage or bodily injury, your business may be sued. The damage and injury, however, can usually be covered under general liability insurance instead.Failure to meet safety regulations - Non-compliance with safety regulations can lead to severe penalties and legal action, especially if your clients experience personal or financial harm as a result. » Learn more about types of defenses to negligence Civil engineer insurance designed to protect your business Negligence claims can significantly impact your civil engineering business, potentially leading to financial losses and reputational harm. So, to give yourself peace of mind and confidence to go about your work, consider civil engineer insurance with a professional liability policy. And NEXT can help make this easy. To view your options, simply apply online and get an instant quote for affordable business insurance in less than 10 minutes. Once you have your coverage picked out, you can get your certificate of insurance and share it 24/7 with the NEXT app. Not convinced? Find out how NEXT helped this engineer secure his business:
Asked 4 months ago
How do I insure my small construction business against construction site vandalism?
Between $300 million to $1 billion in damages occur on construction sites because of theft and vandalism. As a small construction business, the right insurance coverage is essential to protect you from the financial repercussions of vandalism. The first step is to understand your insurance policy options. How insurance protects your business against construction site vandalism Commercial property insurance can help cover damages caused by vandalism, including buildings you own, equipment and building supplies. Construction insurance can also include liability insurance: general liability insurance and errors and omissions insurance. But these policies are designed to cover damage to someone else's property. So, by adding commercial property insurance to construction insurance, you can ensure comprehensive coverage for the various aspects of construction site vandalism. Tip:Consider a business owner's policy as an affordable insurance option that combines general liability insurance and commercial property insurance. Benefits of insurance coverage for construction site vandalism Financial protection If vandalism occurs, your insurance can help cover the costs of repairs, replacements, and any associated business interruptions. This protection ensures that your business can recover smoothly without bearing the full financial burden.Peace of mind Knowing that you have a plan in place and are prepared for unforeseen events allows you to focus on your construction projects with confidence.Enhanced credibility Clients and stakeholders can be more likely to trust a business that demonstrates proactive risk management and preparedness. With comprehensive insurance coverage, you send a strong message that you prioritize their interests and are committed to maintaining a secure and professional environment. Protect your business against construction site vandalism Vandalism is an unfortunate reality for small construction businesses. However, you can have peace of mind that your construction site is protected with the right insurance policy. NEXT is committed to helping small businesses and can offer you affordable, tailored business insurance that suits your business needs. Simply apply online for an instant quote in less than 10 minutes. Once you purchase the coverage you need, you immediately get access to your certificate of insurance to share it 24/7 with the NEXT app.
Asked 4 months ago
Do I need Yoga insurance if I'm teaching online?
Many yoga teachers who host online courses can benefit from the protection of business insurance. Even without a physical yoga studio, your yoga business still faces risks. Why do you need Yoga insurance? Here are two key situations in which having yoga insurance can serve as a safety net, protecting your practice and giving you peace of mind. 1. Protection against liability Accidents can happen while you're teaching yoga online. Some common incidents include: Slips, trips and fallsMuscle strains or sprainsJoint injuries If your students get hurt during your class, they can blame you for their injuries. This can include accusing you of giving wrong instructions or being negligent while teaching. Your students can then hold you liable for medical and legal fees. Yoga insurance can help protect you against these claims and cover costs. » These are the most common fitness insurance claims you should know about 2. Protection for your equipment Damaged, lost or stolen gear can bring your online yoga classes to a halt. This can include: Computers or laptopsCameras and lightingYoga mats and other gear Instead of losing out on money you earn from sessions, you can protect everything you need as a yoga instructor with yoga insurance. What insurance policies should be included in your Yoga insurance? Here are three of the most important types of insurance coverage for online yoga teachers: General liability insurance: Can cover third-party injuries and subsequent legal and medical expenses, including if you're sued for reputational harm or advertising injury.Errors and omissions (E&O) insurance: Can cover claims of negligence and other business-related mistakes, including if your clients lost any money because of your mistake.Commercial property insurance: Can protect your studio space and fitness equipment from damage and theft, including if you have to shut down for a time to make repairs. Yoga insurance designed to protect your business Yoga teacher insurance will allow you to focus on what you do best — guide others without having to worry about potential risks. NEXT can help you find an affordable yoga insurance plan customized to your needs. Simply answer a few questions online and receive a tailored quote within minutes. Once you've purchased your business insurance, you can immediately access and share your certificate of insurance. » Thinking of moving to a physical location? Here's how to set up your yoga studio for success
Asked 4 months ago
Do I need business personal property insurance as a personal gym trainer?
Business personal property (BPP) insurance can be beneficial for personal gym trainers that have high-value equipment. Exploring business personal property insurance for gym trainers BPP insurance can safeguard your valuable assets, such as: Fitness equipment Inventory (if you sell health and fitness products)FurnitureExercise machinesOffice equipment like computersRenovations or improvements you've made to your gym facility What other insurance can help? While BPP insurance protects the contents of your gym, it usually doesn't cover the building or space itself. For comprehensive coverage, you may want to consider a business owner's policy (BOP), which includes coverage for both your business items and the physical building. Or, separately, you can consider other insurance policies you may need as a personal gym trainer like: General liability insurance - This can help cover claims related to third-party injuries and legal expenses your personal training business may be liable for.Professional liability insurance - This is able to help protect you against claims of negligence.Workers' compensation insurance - If you have employees, this can cover their medical bills and lost wages if they're in work-related accidents.Commercial property insurance - This helps with repairs and lost income if your gym and fitness studio or other work structures are damaged. Find out why business insurance is so useful and how it can help your small business: Personal trainer insurance designed for you Personal trainer insurance can offer financial protection, peace of mind and business continuity. Plus, it can boost your professional reputation by showing current and potential clients that you are committed to their safety and your work. This can include a BPP policy or any of the other options mentioned based on your needs. And NEXT can help you tailor your coverage. To view your options, simply apply online and get an instant quote in less than 10 minutes. This way, you can take some weight off your shoulders and focus on your clients. » Picked your coverage? Get your certificate of insurance and share it 24/7
Asked 4 months ago
Does Furniture Store insurance cover accidents on the store's premises?
Yes, furniture store insurance can cover accidents on the store's premises. If a customer trips on furniture and breaks their belongings while browsing your store, this can be a costly liability. » For in-depth information on small business insurance, check these basics How Furniture Store insurance can cover you Furniture store insurance can include multiple policies to help protect you and your store from different accidents. General liability insurance: Third-party injuries, like slip-and-fall accidents, damage to customers' property, medical fees and legal costs can be covered.Workers' compensation insurance: For example, if an employee gets injured while moving heavy furniture around the store, this can help cover medical bills and lost wages.Commercial property insurance: Any inventory or equipment damage caused by an accident at the store that leads to a temporary shutdown can be covered. This helps with operating fees and lost income resulting from the shutdown.Commercial auto insurance: If a work vehicle has a collision on the premises, this coverage can help with medical fees, collision repairs and car rental reimbursements. However, there are exceptions, such as accidents or damage caused intentionally. Protect your furniture store Costs can pile up since accidents are unexpected. But you can plan for them with comprehensive furniture store insurance. Protecting yourself, your employees and your customers can help you focus on day-to-day operations without worry. NEXT can help you find fast, affordable business insurance. To view your options, simply apply online and get an instant quote in less than 10 minutes. Then, you can get your certificate of insurance and share it 24/7 with the NEXT app. » Find out if furniture store insurance also covers the cost of replacing damaged delivery trucks
Asked 4 months ago