Liability insurance is essential but you may want to add other types of business insurance to protect yourself, your work vehicles and your employees.
We typically recommend:
Workers’ compensation can help pay for lost wages and medical bills after a workplace accident.
If you’re a hands-on daycare teacher and you accidentally stab yourself with craft scissors, your medical bills will be covered if you have workers’ compensation. If you don’t have workers’ comp, you might not be covered by your personal health insurance and you won’t have any help with lost wages if you miss multiple days of work.
Workers’ comp is also required for businesses with employees in every state except Texas.
Learn more about workers’ comp.
Commercial Auto insurance
Your personal car insurance might not cover you if you get in an accident while driving for work purposes. Consider buying commercial auto insurance if you teach at different locations or if you drive regularly to students’ homes.
It’s required in most states for vehicles that are owned by your business.
Learn more about commercial auto.
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