A "VOO LIVRE TRAVEL" atingiu um ponto de expansão que para facilitar a maneira de atender aos seus   clientes e ao mesmo tempo dar a eles mais condições de acesso aos itinerários e tarifas para qualquer lugar do mundo e especialmente para o Brasil, produziu este website.

  A cada dia que passa, crescemos um pouco mais e isso e fruto de um trabalho de honestidade, respeito, atenção e muito cuidado na hora de fazer a sua reserva, sempre procurando oferecer as tarifas mais econômicas associadas a conveniência nas conexões e escalas, principalmente nos vôos internacionais. Isso porque nós da "VOO LIVRE TRAVEL", sabemos das dificuldades encontradas nos vôos de longa duração, como tempo de espera em aeroportos ou mudanças dos mesmos.

  Oferecemos sempre aos nossos passageiros as melhores opções, tanto a nível de tarifa como de itinerário e deixamos que eles decidam o que e melhor. E assim que pouco a pouco vamos conquistando um pedaço cada vez maior desse mercado extraordinário, sempre com o apoio dos nossos clientes. Portanto, quando pensar em viajar para qualquer parte do mundo e em especial para o Brasil, ligue pra gente ou mande-nos um e-mail ou fax e deixe-nos encontrar a melhor tarifa e o melhor itinerário da sua viagem.

Obrigado pela preferência.

  Guilherme de Andrade

Presidente da VÔO LIVRE TRAVEL

Phone: 1508-4371953

Fax:      1508-7443698

a small white lighthouse in the harbor in Hyannis Massachusetts

Hyannis is the Easiest Way to Do Cape Cod this Summer.

a small white lighthouse in the harbor in Hyannis Massachusetts

Updated May 2023

Confession: I’ve always felt intimidated by Cape Cod. Not by the place itself, of course – it’s known for being laid-back and welcoming and an all-around summertime paradise – but by the logistics of visiting. As a West Coaster who’s usually traveling on a limited budget, planning a trip to this tiny ocean-bordered strip of land on the other side of the country just always sounded like, well, a lot.

a sandy pathway surrounded by beach grass leads to turquoise ocean water

How do you even get there? Do you have to rent a car to get around? Rental cars cost how much right now?! How do you decide which part of the Cape to visit? Is it all the same? Could I even afford a hotel room there?

Well, I just got back from a week on Cape Cod and it turns out I was over-thinking it. Here’s what I wish someone had told me before I went: relax. Just go to Hyannis. It’ll be great. Here’s why.

Getting to Hyannis is So Easy

trains leaving from Boston's south station

Beachy summer destinations always seem to have at least one thing in common: getting there is a pain. But not so with Hyannis. Peter Pan runs direct bus service to Hyannis from Boston, with multiple pick-up spots right in town and even one at Logan airport. Drop-off lands you right off on Hyannis’s central Main Street. In less than two hours and for about $20, you’ll be whisked from Boston’s busy city center to a small town summer oasis, and you don’t even have to get behind the wheel.

It’s a Perfect Base Camp for Day Trips

an aerial view of boats harbored at Oak Bluffs on Martha's Vineyard

My biggest regret from my visit to Hyannis? I wish I’d stayed longer and given myself time to explore more of the area on day trips . Before arriving in Hyannis, I just hadn’t realized what a convenient jumping-off point it would be for visiting the rest of the Cape and Islands. From the harbor right in town, you can hop on ferries to Martha’s Vineyard and Nantucket, two famously beautiful islands comprised of pristine beaches, miles of biking trails, and jaw-dropping historic homes.

a group of people with a rainbow umbrella sit on the sand at Joseph Silvia beach on Martha's vineyard

As legendary playgrounds for the rich and famous, both islands offer plenty of accommodation options that will cost you an arm and a leg. But staying in Hyannis instead means you can save on your overnight and still easily explore the island of your choice. (If you need a little more time to explore Martha’s Vineyard, you may want to spend a night or two at HI Martha’s Vineyard hostel ).

the shoreline of Provincetown, MA on a beautiful sunny day

Don’t feel like a boat ride? You can also take a bus from Hyannis up to Provincetown at the northern tip of the Cape. P-Town, as it’s often called, is a longtime favorite destination for artists and LGBTQ+ visitors. Its commercial street is lined with bakeries, restaurants, bars, nightlife venues, and art galleries. The bus from downtown Hyannis will cost you just a few dollars and takes about an hour and a half.

There’s Lots to Do in Town

a large green lawn with colorful artist's shanties along the harbor in Hyannis, MA

Even without leaving the village of Hyannis, there’s plenty of summer fun to be had. Walk along the gorgeous harbor and you’ll spot everything from yachts, to dog walkers, to enormous osprey nests perched atop powerline polls. Just a few minutes’ walk away, pop into some of Hyannis’s artist shanties, where you can talk with local artists and pick up one-of-a-kind souvenirs.

Get a feel for the Cape’s rich history with a stop at the Cape Cod Maritime Museum, where you can check out historic boats, learn about the area’s ties to fishing and whaling, and visit a gallery of fine arts inspired by Cape Cod’s natural beauty. A short walk away, the John F. Kennedy Hyannis museum celebrates the legacy of the former U.S. president and his family, which had longtime ties to the village.

a long wooden table in front of shelves stacked with colorful books at bread and roses cafe in hyannis massachusetts

For a modern-meets-historic experience, wander Hyannis’s Main Street. Here you’ll find everything from fancy al fresco dining to quaint clapboard candy shops. Grab a scoop or two at Katie’s Homemade Ice Cream, stop in for a house cocktail or delicious vegan meal at Bread & Roses café & bookstore, play a few rounds of Donkey Kong or pinball at Flashback Retro Arcade, or catch some live outdoor music over drinks on a bar patio.

There are Tons of Nearby Beach Options

four women walking and laughing on a beach in Cape Cod, MA

Whether you’re in the mood to listen to the waves of the Atlantic Ocean or take a dip in sheltered Lewis Bay, you’re always close – like, walking-distance close – to a great beach in Hyannis. About a 15-minute walk from the harbor, Kalmus Beach offers gentle surf and a life-guarded swimming section for cooling off. There’s even a snack bar on site serving lobster rolls and ice cream (it doesn’t get more Cape Cod than that). Veterans Park beach, just down the road from Kalmus, is a great family-friendly option with a playground, picnic tables, and outdoor grills for BBQs with friends. A short walk away on the other side of the harbor you’ll find Bay View Street Beach, a small patch of coast where you can wade in the water and watch the Nantucket and Martha’s Vineyard ferries cruise by.

You Can Walk or Bike to Everything

a man in a blue shirt rides his bicycle past green foliage on a bicycle trail in hyannis massachusetts

Hyannis packs such a lot into a small area that it’s easy to forget it’s just a little village within the greater town of Barnstable. Pretty much everything is centrally located, from shops and dining, to beaches, to ferries, to the central bus station. No rental car, parking fees, or cab fare necessary.

HI Hyannis is a Hidden Gem

a small cottage at HI Hyannis hostel

If you want to stay close to everything and do it on a budget, HI Hyannis hostel is your best bet. This sweet little collection of beachy cottages is right across the street from the harbor, and just a few minutes’ walk from the island ferries and Main Street. You can choose to stay in a dorm bed, or bring friends and family along and book a private cottage. A full guest kitchen, cozy nooks for enjoying your morning coffee in the sunshine, and Adirondack chairs and lawn games out back bring strong beach vacation vibes.

  • Cape & Islands
  • Friends' Trip
  • Summer Inspiration

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Frequently asked questions

Small Business Insurance

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Get the best small business insurance quotes online & info on cost, coverage, minimum requirements, certificates & more.

  • General Liability Insurance

Small Business Insurance Policy Information

Small Business Insurance

Small Business Insurance . If you own a small business, this article will help you understand some the of most common policies available. Commercial insurance helps protect your business and potentially your personal assets from lawsuits and settlements that can reach into the millions.

Having high enough limits in your commercial liability coverage should be a cornerstone of any business plan. Carrying adequate small business insurance to protect your business shouldn't be a question - it's a must if you want to make sure that you don't get put in a position where you have to lose your business or pay money out of pocket to cover expenses associated with a loss.

Learn about small business insurance requirements, costs and coverages including: Commercial General Liability, Commercial Property Insurance, Workers Compensation, Business Owner's Policy (BOP), Errors & Omissions (professional liability), Commercial Auto Insurance and more.

Below are some answers to commonly asked small business commercial insurance questions:

You can skip to the following types of small business commercial insurance using these links:

What Is Small Business Insurance?

What are the commercial insurance requirements for small businesses, how much does small business insurance cost.

  • What Does Small Business Insurance Cover & Pay For?

What Is The National Association of Insurance Commissioners?

What does business auto insurance cover.

  • What Does A Business Owners Policy Cover?

What Does Commercial Crime Insurance Cover?

What does commercial general liability insurance cover, what does commercial property insurance cover, what does commercial umbrella insurance cover, what does cyber liability insurance cover, what does directors and officers liability insurance cover, what does employment practices liability insurance cover, what does equipment breakdown insurance cover, what does professional liability insurance cover.

  • What Does Workers Compensation Insurance Cover?

Small business insurance is a type of insurance coverage designed specifically for small businesses. It provides protection against various risks and liabilities that small businesses face, such as property damage, theft, legal liability, and employee injury.

It can also protect against specific risks related to the industry, such as product liability or professional liability. The insurance policy can be customized to meet the unique needs and requirements of a small business, providing financial security in the event of a loss.

Most states on the US only require two types of commercial insurance policies - and only under specific circumstances:

  • Workers Compensation : Small businesses with any non-owner employees are required by state law to have workers comp insurance coverage (except Texas).
  • Business Auto : If the business owns any vehicles (titled to the business), those cars or trucks must have commercial auto insurance.

Any other policies and coverages are optional for the business to purchase. There is not one small business insurance policy that covers every risk. There are different commercial insurance policies that cover various accidents, damages and lawsuits that could financially devastate a small business without the right protection. Some of the most common risks businesses face are covered in these policies.

Following is a list of the main factors that determine the costs of small business insurance:

  • Claims History - Similar to auto insurance, more claims can mean higher costs. If you have claims on your policy, your premium will typically increase.
  • Deductibles - Like medical insurance, lower deductibles for small business insurance mean higher premiums. If you raise your deductibles (out-of-pocket costs), your premium will usually decrease.
  • Employees - The more people working for your company typically translates into higher insurance costs.
  • Experience - A business with more experience can often get lower premiums that newer businesses with less experience.
  • Gross Sales - The more revenue you have, the higher your premium can be. So if your small business earns less than $30,000 annually, your premiums may be lower than a larger corporation that earns more than $2,000,000.
  • Industry - If you own a white collar business like an accountant, your premiums can be lower than a roofing company, where the potential risks for bodily injury and property damage are higher.
  • Location - Your zip code can have a significant impact on your premium. For example, if your business is located in Calistoga, your business insurance costs may be lower than a similar business located in Los Angeles or San Francisco.
  • Policy Limits - When you buy a policy, you can decide how much coverage you want, and you typically will pay more for higher limits. For example, a general liability policy with a $1,000,000 limit per claim will cost more than one with a $300,000 limit.

Small Business Insurance Information By State

Click on the links below to read state specific small business insurance information, including information on types, coverages, policies, limits and more:

  • Alabama Small Business Insurance
  • Alaska Small Business Insurance
  • Arizona Small Business Insurance
  • Arkansas Small Business Insurance
  • California Small Business Insurance
  • Colorado Small Business Insurance
  • Connecticut Small Business Insurance
  • Delaware Small Business Insurance
  • Florida Small Business Insurance
  • Georgia Small Business Insurance
  • Hawaii Small Business Insurance
  • Idaho Small Business Insurance
  • Indiana Small Business Insurance
  • Illinois Small Business Insurance
  • Iowa Small Business Insurance
  • Kansas Small Business Insurance
  • Kentucky Small Business Insurance
  • Louisiana Small Business Insurance
  • Maine Small Business Insurance
  • Maryland Small Business Insurance
  • Massachusetts Small Business Insurance
  • Michigan Small Business Insurance
  • Minnesota Small Business Insurance
  • Mississippi Small Business Insurance
  • Missouri Small Business Insurance
  • Montana Small Business Insurance
  • Nebraska Small Business Insurance
  • Nevada Small Business Insurance
  • North Carolina Small Business Insurance
  • New Hampshire Small Business Insurance
  • New Jersey Small Business Insurance
  • New Mexico Small Business Insurance
  • New York Small Business Insurance
  • North Dakota York Small Business Insurance
  • Ohio Small Business Insurance
  • Oklahoma Small Business Insurance
  • Oregon Small Business Insurance
  • Pennsylvania Small Business Insurance
  • Rhode Island Small Business Insurance
  • South Carolina Small Business Insurance
  • South Dakota Small Business Insurance
  • Tennessee Small Business Insurance
  • Texas Small Business Insurance
  • Utah Small Business Insurance
  • Vermont Small Business Insurance
  • Virginia Small Business Insurance
  • Washington Small Business Insurance
  • Washington D.C. Small Business Insurance
  • Wisconsin Small Business Insurance
  • West Virginia Small Business Insurance
  • Wyoming Small Business Insurance

Small Business Insurance Policies

small business insurance needs, costs and coverages are different for each industry and region. While not an exhaustive list, to properly protect your business against lawsuits - consider these additional policies that fall under commercial property and/or casualty insurance:

Small Business Auto Insurance

The person injured in an auto accident may be a young child, a wage earner, a surgeon, or a homeless person. The costs of the accident may be relatively small or run into the millions of dollars, depending on the victim and his or her injuries. commercial auto insurance helps protect your business if you hurt a person or damage their property.

What Is Covered - Commercial auto insurance protects your assets in several ways:

  • Medical payments coverage and towing expense costs for private passenger vehicles are other optional coverages to consider

To summarize, commercial auto is coverage for vehicles and their drivers owned by the business and/or used for business purposes, and covers these common claims:

  • Physical damage
  • Medical payments
  • Uninsured motorists

What Does Business Owners Policy Insurance Cover?

Small Business Owners Policy

Small business insurance offers coverage for business property and casualty exposures. Wouldn't it be great if you could get most or all of them in just one policy? If you qualify, the Business Owners Policy (BOP) may be exactly what you're looking for.

This single BOP package covers your buildings and business personal property, as well as liability imposed on you because of your premises, operations and products. In addition, it has numerous coverage extensions and optional coverages available.

Much like a general liability policy, the liability coverage offered by a BOP:

  • Insures bodily injury and property damage liability and the legal obligations that arise from an occurrence. It also covers lawsuits and their associated costs. The limits of insurance selected should be high enough to handle serious claims. This coverage is subject to a number of exclusions.
  • It also covers personal and advertising injury liability and related legal obligations arising from an offense as well as lawsuits and their related costs. The limits of insurance selected should be high enough to handle serious injuries and the injured party's loss of earnings. This coverage is also subject to a number of exclusions.
  • Medical expenses coverage applies to medical expenses of individuals injured on your premises or due to your operations, without regard to fault.

Buildings can be more than just a single building. The structure listed and described that has a limit of insurance on the declarations is covered, along with the following:

  • Additions under construction if not covered elsewhere
  • Completed additions
  • Indoor and outdoor fixtures
  • Permanently installed machinery and equipment
  • Personal property you own as a landlord in furnished apartments
  • Personal property you own used to service or maintain the building or premises

Business personal property (BPP) is more than just the contents of a building. The following business personal property is covered when a limit of insurance appears on the declarations and when it is in the described building and within 100 feet of the premises or building while in the open or in or on a vehicle:

  • Exterior building glass you must cover if you are a tenant
  • Leased personal property you are contractually responsible to insure
  • Personal property you own and use in the business
  • Property of others in your care, custody, or control
  • The use interest in any improvements and betterments you made or acquired if you are a tenant

To summarize, a Business Owners Policy (BOP) packages general liability and commercial property into one policy, and covers these common claims:

  • Damaged Business property
  • Customer injuries
  • Business interruption

Small Business Commercial General Liability Insurance

You don't have any control over the ultimate cost of injuries to a person injured because of your operations, products, or services. The person injured may be a toddler, a contractor, an accountant, or a homemaker. The cost of the injuries may be comparatively minor or run into the millions of dollars, depending on the person and the extent of his or her injuries. This is why you need the right amount of small business insurance.

Commercial general liability insures the bodily injury liability, property damage, and personal and advertising injury liability exposures of a variety of commercial businesses, enterprises, and ventures.

What Is Covered - general liability insurance protects your assets in several ways:

  • Liability coverage for bodily injury and property damage insures your legal obligations that arise from an accident. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
  • Liability coverage for damages due to personal and advertising injury insures your legal obligations that arise from an offense. It also includes the costs related to lawsuits and other legal proceedings. The limits of insurance should be sufficient to handle serious injuries and the injured person's loss of earnings.
  • Medical Payments coverage pays the cost of medical care to persons injured on your premises or due to your operations, regardless of fault.

Each of these small business insurance coverages is subject to certain policy exclusions, conditions, and definitions. Following a few examples of how a CGL policy can cover third-party bodily injuries, third-party property damage, and advertising injuries;

  • A visitor slips and falls on a wet floor in your restaurant.
  • A tree trimmer accidentally drops a tree on a customers home.
  • A competitor sues your business over an ad that was published that disparages them, damaging its reputation.

To summarize, general liability is typically required for most commercial leases, and covers these common claims:

  • Damaged customer property
  • Libel or slander lawsuits
  • Slip-and-fall accidents

Small Business Commercial Property Insurance

The primary goal of any small business insurance program is to protect the insured's real and business personal property. Tangible property usually represents a significant portion of its total assets, regardless of the size of the business.

Protecting your real and personal property is an important element of your insurance program. No matter the size of your business, a large percentage of your assets and resources are tied directly to your property. A commercial property program can provide the coverage you need if a loss should occur.

When there is a limit of insurance for building on the declarations, the building or structure listed and described is covered property. The following is also considered covered building property:

  • Additions under construction, alterations, and repairs that other insurance does not cover. The materials, equipment, supplies, and temporary structures that are on or within 100 feet of the premises and used to make the additions, alterations, or repairs are also building.
  • Fixtures. This includes outdoor fixtures.
  • Personal property the insured owns and uses to service or maintain the building or premises

When there is a limit of insurance for personal property on the declarations, coverage applies to the following property if it is inside the building or structure at the designated premises. It is also covered if it is outside the building or structure but within 100 feet of the building or premises. Such personal property outside can be either in the open or in or on a vehicle.

  • All other personal property the insured owns and uses for business
  • Furniture and fixtures
  • Labor, materials, or services the insured furnishes or arranges on personal property of others
  • Leased personal property the insured has a contractual responsibility to insure
  • Machinery and equipment
  • The insured's interest in any improvements and betterments it made or acquired if the insured is a tenant

Personal property of others is covered when there is a limit of insurance on the declarations but only when:

  • It is in the insured's care, custody, or control.
  • It is either inside the building or structure at the listed and described premises or outside within100 feet of the building or premises in either the open or in or on a vehicle.
  • The insurance company pays for loss or damage to personal property of others for only the account of that property's owner.

To summarize, commercial property insurance covers these common claim types:

  • Theft or vandalism
  • Water damage (non-flood)
  • Wind damage

What Does Workers Compensation & Employers Liability Insurance Cover?

Small Business Workers Compensation Insurance

Do you own, operate, or manage a business which includes at least one employee? Are you familiar with the laws of regarding workers compensation insurance coverage?

The Workers Compensation and Employers Liability Insurance Policy covers your statutory liability as an employer under workers compensation laws. It pays for medical treatment because of injuries and indemnity payments for employees disabled by work-related accidents. It also provides tort liability coverage for legal actions brought against you for bodily injuries to your employees that fall outside state workers compensation laws.

Workers' compensation is a form of insurance that protects a business owner from claims by employees who experience a work-related injury or illness-either sustained on business premises or due to business operations. Typically, workers' compensation covers the employee's medical expenses, rehabilitation costs and at least some portion of their lost wages. If an employee is killed on the job it also pays a funeral benefit.

Workers' compensation benefits are reviewed and voted on by state legislatures each year. The state department of labor has the responsibility of administering benefits for injured workers. In the case of severe injury, judges at the department of labor make rulings on the extent of disability and the amounts that insurance companies are required to pay injured workers.

There are times when the employed worker's injury is not compensable under workers compensation or occupational disease laws. In those cases, Employers Liability coverage responds to the injured worker's allegations of negligence on the employer's part, subject to its terms, conditions, limitations, and exclusions. The coverage the basic policy provides may be broadened, restricted, clarified, or made to comply with specific state regulatory requirements by using a variety of available endorsements.

To summarize, workers compensation is required if businesses has any employees, even one part-time (in most states), and covers these common claims:

  • Employee medical expenses
  • Legal costs and fees

Small Business Professional Liability Insurance

Professional liability insurance, also known as errors and omissions (E&O), is a type of liability coverage that protects your company against claims that a professional service you provided caused your client to suffer financial harm due to mistakes you made (errors) or because you didn't perform some service (omissions).

Professional liability can cover the legal costs of defending your company in a civil lawsuit and some damages if awarded, even if you haven't made a mistake. Eamp;O coverage is not included in a general liability insurance policy.

If your business:

  • Provides a professional service
  • Gives advice to clients
  • Is contractually required to carry

you should probably purchase an errors and omissions policy. Common claims that E&O covers are negligence, misrepresentation, violation of good faith and inaccurate advice.

In the medical and legal professions, professional liability is called malpractice insurance.

To summarize, professional liability insurance helps protect professionals against liability incurred as a result of errors and omissions in performing their professional services, and covers these common claim types:

  • Business disputes
  • Professional negligence lawsuits
  • Work errors, mistakes & oversights

Accidents are unpredictable. Some accidents are very small. Others trigger catastrophic events in the lives of the injured parties. Are your policy limits sufficient to protect you if a person you injure must have multiple lifesaving surgeries or requires around the clock care for the rest of her life? If not, your business capital could be required to make up the difference.

Commercial liability umbrella is a stand-alone coverage that contains its own coverage, exclusions, and conditions. It provides excess limits over General Liability, Automobile Liability, Employers Liability, and other underlying liability coverage forms or policies. In addition, and because it is a stand-alone coverage form, it may include coverage that underlying coverage forms or policies do not include or provide.

To summarize, commercial umbrella is excess liability coverage that 'extends' the limits of a general liability and/or other liability policies, and offers:

  • Additional general liability limits
  • Additional workers comp limits
  • Additional commercial auto liability limits

The law in requires businesses to notify any residents when an unauthorized person accesses unencrypted personal information. Cyber liability insurance helps your business deal with the costs of data breach and recovery by helping to pay for:

  • Security Breach Expense - Loss that is the direct result of a security breach.
  • Extortion Threats - Loss that is the direct result of an extortion threat.
  • Replacement or Restoration of Electronic Data - Loss to stored computer programs or electronic data within a computer system.
  • Business Income and Extra Expense - Loss that is the result of an interruption is covered when it is a direct result of a cyber incident or extortion threat.
  • Public Relations Expense - Loss that is the result of negative publicity is covered when it is a direct result of a cyber incident or security breach.
  • Security Breach Liability - Loss that is the result of a claim which is discovered during the policy period is covered if the insured is legally obligated to pay it and was due to a wrongful act that takes places before the end of the policy period.

To summarize, cyber liability helps cover a business' liability for a data breach in which their customers' personal information is exposed or stolen by a hacker or criminal, and covers these common claims:

  • Breach notification expenses
  • Data breach lawsuits
  • Fraud monitoring costs

Corporate directors and officers (D&O) have a duty to manage the company in their stockholders' best interests. They are bound to use due care and to be diligent in respect of the management and administration of the corporation's affairs and in the use of its property and assets. Accordingly, they are liable for losses or injuries that are caused by their breach or neglect of duty.

Recognizing the need to have competent directors and officers on executive boards, many corporations have put in their by-laws or charters certain resolutions undertaking to indemnify their directors and officers for legal expenses incurred by them in defending suits based on alleged wrongful acts in their capacities as directors and officers. Such indemnification provisions are permitted by most states' laws. Protection varies from state to state. In general, state statutes do not protect directors from claims brought by governmental agencies, or claims alleging violations of securities and exchange laws or other federal laws.

To summarize, directors and officers is a type of liability insurance that covers individuals for claims made against them while serving on a board of directors and/or as an officer, and covers these common claims:

  • Side A - Protects a corporation's directors and officers when the company cannot indemnify the individuals.
  • Side B - Reimburses the organization when it indemnifies the individuals, thus protecting the company's balance sheet.
  • Side C- Also known as "entity coverage," this eliminates disputes of coverage allocation when both the directors and officers and the insured organization are named as co-defendants in a securities lawsuit.

Commercial property coverage forms specifically exclude most types of equipment breakdowns while the Equipment Breakdown Protection Coverage Form Insures only equipment breakdown - which covers loss or damage to your covered property that results when covered equipment breaks down.

This coverage includes inspection service as a part of the basic coverage because you can eliminate most equipment breakdowns with proper maintenance. These inspections also satisfy any obligation you have to conduct required governmental or statutory inspections.

Four types of equipment you may own or operate can be covered:

  • Mechanical and Electrical Equipment
  • Production Machinery
  • Pressure or Vacuum Equipment
  • Diagnostic Equipment

This small business insurance coverage also applies to your computer equipment, communications equipment, and equipment that generates, transmits, or uses energy.

To summarize, equipment breakdown is coverage for losses due to mechanical or electrical breakdown of nearly any type of equipment, and covers these common claims:

  • Lost income
  • Expenses incurred during the restoration period
  • Spoiled inventory
  • The cost to repair or replace damaged equipment, including labor.

The current level of workplace morale, the state of the economy, and legislation such as the Americans with Disabilities Act and the Family Medical Leave Act have all led to a marked increase in employment-related practices claims and lawsuits. Because these legislative and other legal changes have provided significant incentives for employees to file employment-related claims, employers such as you should be more aware of your susceptibility to such actions.

Employment-Related Practices Liability Coverage provides broad insurance protection from employment-related practices claims and lawsuits that are brought against your company, managers and directors and officers. It covers such things as age and gender discrimination, sexual harassment, wrongful discipline and termination and negligent decisions involving hiring, promotion, and compensation. It also applies to breach of employment contract, employment-related emotional distress, and mental anguish, invasion of privacy, libel, and slander.

Claims can come from both current and former employees and even from job applicants you didn't hire! The procedures that you use or don't use in hiring, firing and managing your employees can translate into huge defense costs and legal awards to plaintiffs for your errors or oversights even if they were unintentional.

Allegations are made by employees who claim to have suffered various types of financial loss or emotional injury because of their employers' acts (or failure to act). The list of allegations involves wrongful termination, demoting an employee without justification, failure to hire or promote a worthy employee, unwarranted discipline or abuse (particularly sexual harassment).

Many of these offenses are said to be the result of illegal discrimination on the basis of age, gender, religion, race, nationality, or sexual orientation. Other offenses are claimed to be a violation of the individual's civil rights, or the failure to accommodate a mental or physical limitation or disability.

Sexual harassment by the employer's management or supervisory staff, or by fellow employees, has grown to include allegations of same-sex harassment. In addition to injuries involving sexual abuse, physical, mental or emotional abuses are also being claimed with more frequency.

To summarize, Employment practices liability is coverage for claims made by workers that their legal rights as employees of the company have been violated, and covers these common claims:

  • Sexual harassment
  • Discrimination
  • Wrongful termination
  • Breach of employment contract, negligent evaluation, failure to employ or promote, wrongful discipline, deprivation of career opportunity, wrongful infliction of emotional distress, mismanagement of employee benefit plans and others.

Most theft losses are comparatively small, fall under the deductible, are excluded, or are uninsured. However, larger ones can put a company out of business as quickly as an uninsured fire. small business insurance - specifically business personal property coverage forms and policies written on an All Risks or Special Causes of Loss basis usually cover theft of property and merchandise by outside parties.

However, they usually exclude losses due to employee dishonesty, theft of money and securities, computer fraud, safe burglary, extortion, and related criminal acts. This is why every business needs a sound program of crime coverages for employee theft and other types of criminal and fraudulent activities.

Types Of Coverage - The ISO Commercial Crime Coverage Form offer seven types of protection:

  • Computer and Funds Transfer Fraud pays for loss or damage to money, securities, and other property fraudulently transferred using a computer from your premises or a financial institution's premises to an unauthorized person or premises. It also covers loss of funds as a direct result of fraudulent instruction to a financial institution telling it to transfer, pay, or deliver funds from your transfer account.
  • Employee Theft covers loss or damage to money, securities, and other property that one or more of your employees causes.
  • Forgery or Alteration covers loss caused when someone other than an employee forges or alters a negotiable instrument such as a check.
  • Inside the Premises–Robbery or Safe Burglary of Other Property pays for loss or damage to property other than money and securities inside the premises. However, this is subject to the conditions that either you or an employee must be robbed or the safe burglarized.
  • Inside the Premises–Theft of Money and Securities pays for theft, disappearance, and destruction of money and securities from inside your premises or a financial institution premises. However, it does not cover theft of merchandise or stock.
  • Money Orders and Counterfeit Money pays for loss as a direct result of you or your employees accepting fraudulent money orders or counterfeit money in good faith and in exchange for merchandise, money, or services.
  • Outside the Premises pays for loss of money or securities outside the premises, in the care of a messenger or armored car service, or as a direct result of theft, disappearance, or destruction. It also pays for loss or damage to property other than money and securities as a direct result of robbery outside the premises that is in the care of a messenger or armored car service.

To summarize, commercial crime insurance is coverage for any dishonest acts of your employees including damage to your property, fraud or theft of a customer's property, and covers these common claims:

  • Employee dishonesty
  • Forgery or alteration
  • Money and securities
  • Theft of client's property

The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. NAIC members, together with the central resources of the NAIC, form the national system of state-based insurance regulation in the U.S.

According to the NAIC, "The mission of the NAIC is to assist state insurance regulators, individually and collectively, in serving the public interest and achieving the following fundamental insurance regulatory goals in a responsive, efficient and cost effective manner, consistent with the wishes of its members:

  • Protect the public interest;
  • Promote competitive markets;
  • Facilitate the fair and equitable treatment of insurance consumers;
  • Promote the reliability, solvency and financial solidity of insurance institutions; and
  • Support and improve state regulation of insurance."

What Does Small Business Insurance Insurance Cover & Pay For?

Small Business Insurance Insurance Claim Form

Small businesses can be sued for a variety of reasons, and each presents its own unique risks and challenges. However, with the appropriate insurance coverage, many of these challenges can be mitigated. Here are some common reasons small businesses might be sued, along with how insurance can protect them:

1. Personal Injury: A customer or other third party may sue a small business if they get hurt on the premises, claiming that the business was negligent in maintaining a safe environment. General Liability Insurance can protect against this. This type of insurance policy typically covers bodily injuries and property damage caused by your business operations or on your business premises. If a lawsuit is filed, the insurance company can help pay for legal defense costs, any settlements, and judgments.

2. Product Liability: If a business sells a product that causes harm or injury, they can be sued for damages. Product Liability Insurance is designed to cover these types of claims. This insurance can cover legal fees and any awarded damages related to the product that caused harm, whether it's due to product design, manufacturing defect, or failure to provide adequate warnings or instructions.

3. Breach of Contract: Small businesses can be sued by clients or other businesses for not fulfilling the terms of a contract. Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, can provide protection in these cases. This insurance helps cover defense costs and damages related to failure to deliver services as promised.

4. Employment Practices: Claims for wrongful termination, discrimination, harassment, or other employment-related issues are common sources of lawsuits against businesses. Employment Practices Liability Insurance (EPLI) can help to cover the costs associated with these types of lawsuits. This insurance can cover legal defense costs, settlements, and judgments related to employment practices claims.

5. Intellectual Property Infringement: If a business is accused of infringing on another's trademark, copyright, or patent, they could face a lawsuit. Intellectual Property Insurance can cover the cost of defending against these claims and any associated judgments or settlements. Some policies can even help with the costs of enforcing your own intellectual property rights.

Remember, the specifics of what is covered will depend on the individual policy and provider. Always read the terms carefully and consult with an insurance professional to ensure you understand what protection your business has. Having the right insurance can provide peace of mind and significant financial protection in the event of a lawsuit.

Small Business Insurance - The Bottom Line

Speak with an experienced insurance broker who understands small business insurance to find the best fit coverage for your business.

Small Business Insurance By Industry And/Or Type

Select the general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:

Advertising, Marketing and Media

Agribusiness, arts and recreation, auto sales, service and repair, children and pets.

  • Commercial Property

Construction Contractors

Contractors and home improvement, education, colleges, universities and schools, financial institutions, food and drink, health and beauty, information technology and internet, local, state and federal government, lodging places.

  • Manufacturing

Marine, Boat And Watercraft

Medical and dental, miscellaneous, professional services, real estate, small business commercial auto, sports and fitness, warehouse and storage, wholesale and distribution, workers compensation.

Learn about media liability insurance - a specialized form of professional liability insurance policy that provides protection for legal claims brought by third parties.

  • Advertising Agency
  • Book Publishers
  • Call Center
  • Direct Mailing Services
  • Graphic Arts
  • Graphic Designers
  • Magazine Publishers
  • Market Research Firm
  • Marketing Consultant
  • Podcast Insurance
  • Printers & Publishers
  • Public Relations
  • Radio Stations
  • Search Engine Services SEO
  • Social Media Consultant
  • Television Stations

Learn about small business agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.

  • Aquaculture Fish Farm
  • Commercial Fishermen
  • Equine & Horse Farm
  • Farm And Ranch
  • Farm Equipment Dealers
  • Farm Labor Contractors
  • Livestock & Cattle
  • Mushroom Farms
  • Nursery And Greenhouse
  • Orchards & Groves
  • Poultry Farm
  • Sheep & Goat Farm
  • Swine, Hog & Pig Farm
  • Tobacco Farm
  • Specialty Farm Risks

Read up on small business arts and recreation insurance.

  • Amusement Parks
  • Archery Ranges
  • Athletic Fields
  • Billiard And Pool Halls
  • Bowling Alleys
  • Dance Studio
  • Disc Jockey DJ
  • Drive-In Theaters
  • Entertainers And Performers
  • Event Planning
  • Fairs And Fairgrounds
  • Film Production
  • Guides & Outfitters
  • Handball & Racquetball Courts
  • Horse & Dog Racetracks
  • Indoor Sports Complexes
  • Interior Decorator
  • Interior Design
  • Motorsports Racetracks
  • Photo Booth
  • Photographer
  • Recording Studio
  • Recreation Centers
  • Riding Stables
  • Roller Skating Rinks
  • Shooting Ranges
  • Skeet & Trap Shooting Ranges
  • Ski Resorts
  • Talent Agency
  • Tennis Centers
  • Video Arcades
  • Wedding And Special Event
  • Specialty Arts And Antiques
  • Specialty Clubs And Leisure Time Activities
  • Specialty Entertainment

Read about auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.

  • Auto Dealers
  • Auto Dismantlers
  • Auto Garage
  • Auto Glass Repair Shops
  • Auto Paint Shops
  • Auto Service Repair
  • Auto Supply Parts Store
  • Gas Station
  • Motorcycle Dealers
  • Parking Lot
  • Snowmobile Dealers
  • Truck Rental
  • Used Car Dealer

Learn about aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.

  • Aerial Applicators
  • Flight Schools
  • Hot Air Balloon
  • Unmanned Aerial Vehicles (UAV) Drone
  • Specialty Aircraft And Airports

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.

  • Fidelity Bonds
  • Surety Bonds
  • Specialty Bonds

Discover what business insurance policies cover for children and pet related small businesses.

  • Day Care Insurance
  • Dog Walking
  • Pet Groomer
  • Pet Sitting
  • Specialty Animals And Birds

Read up on commercial property insurance coverage, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

  • Apartment Building
  • Business Interruption
  • Commercial Flood Insurance
  • Condo Association
  • Contractors Equipment
  • Duplex Rental Property
  • Electronic Data Processing Equipment
  • Equipment Breakdown Protection Insurance
  • Homeowners Association Insurance
  • Inland Marine
  • Jewelers Block
  • Manufacturing And Mercantile Rental Property
  • Mobile Home Park
  • Non-Residential Building Operators
  • Office Buildings
  • Shopping Center & Strip Mall
  • Vacant Land
  • Vacant Property
  • Specialty Habitational
  • Specialty Inland Marine
  • Specialty Property

Learn about construction contractors insurance, including how much the premium costs and what is covered - and how liability insurance can help protect your construction business from lawsuits.

  • Blasting & Drilling Contractors
  • Bridge Contractors
  • Building Contractors
  • Cable Layers
  • Construction
  • Demolition Contractors
  • Dock & Pier Contractors
  • Dredging Contractors
  • Foundation Layers
  • General Contractors
  • Road Contractors
  • Sewer Contractors
  • Steel Erection Contractors

Learn about contractor's insurance, including what it covers, how much it costs - and how business insurance can help protect your small business from lawsuits.

  • Air Conditioning Systems Installation Repair
  • Appliance Repair & Service
  • Blacksmith & Metal Workers
  • Boat Repair & Dry Docks
  • Boiler Contractors
  • Builders Risk
  • Building Cleaning & Maintenance Services
  • Cabinet Installer
  • Cable And Satellite TV Installer
  • Chimney Sweep
  • Cistern Contractors
  • Contractor Liability
  • Curtain Cleaners
  • Deck Builders
  • Door And Window Installers
  • Dryer Vent Cleaning
  • Drywall Contractor
  • Electrical Contractors
  • Environmental Remediation Contractors
  • Fence Installation
  • Fire Sprinkler Contractors
  • Fire & Water Restoration Contractors
  • Flooring Contractor
  • Furniture Repair
  • Garage Door Installer And Repair
  • Glass Contractor
  • Glazier Insurance
  • Gutter Installation And Repair
  • House Cleaning
  • HVAC Contractor
  • Insulation Contractor
  • Janitorial Cleaning Services
  • Landscaping
  • Lawn Irrigation Sprinkler System Installation
  • Oil And Gas Well Drilling Contractors
  • Paperhanging Contractors
  • Plastering And Stucco Contractor
  • Pressure Washing Contractors
  • Propane And Fuel Dealers
  • Rug, Upholstery & Carpet Cleaning
  • Sandblasting Contractors
  • Security Alarm
  • Septic Tank Cleaning
  • Siding Contractor
  • Sign Installation & Repair
  • Solar Panel Installers
  • Stone And Tile Installer
  • Subcontractor
  • Swimming Pool Contractor
  • Swimming Pool Service And Maintenance
  • Tool Grinding And Repair
  • Tree Surgeon
  • Tree Trimming
  • Tank Cleaners
  • Upholstery Shop
  • Waste Haulers & Garbage Collection
  • Water Well Drilling
  • Welding Contractor
  • Wildlife & Pest Control
  • Window Cleaning
  • Specialty Contractors

Learn about insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

  • Beauty School
  • Charter School
  • Chiropractic Schools
  • Colleges, Universities & Professional Schools
  • Driving Schools
  • Educational Services
  • Language School
  • Microschools
  • Music Schools
  • Private Schools
  • Real Estate School
  • Specialty Schools And Education

Discover the types of commercial insurance that banks, finance companies and other financial institutions need to protect their asset management, deposit, lending, investment and other operations.

  • Check Cashing
  • Credit Union
  • Currency Exchanges
  • Finance Companies
  • Insurance Company
  • Mortgage Broker
  • Specialty Financial Institutions And Services
  • Specialty Insurance Services

Learn about restaurants, bars, liquor stores insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

  • Coffee Shop
  • Concession Stand
  • Delicatessen
  • Farmers Market
  • Grocery Store
  • Ice Cream Shop
  • Internet Cafe
  • Liquor Store
  • Sandwich Shops
  • Supermarket
  • Specialty Food And Restaurants

Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

  • Acupuncture
  • Barber Hair Dresser
  • Beauty Salon
  • Chiropractic
  • Cosmetology
  • Diet Nutrition Services
  • Esthetician
  • Massage Therapy
  • Medical Spa
  • Permanent Cosmetics And Microblading
  • Personal Trainer
  • Tanning Salon
  • Weight Loss Center

Learn about IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

  • Application Development
  • Amazon Seller
  • Artificial Intelligence
  • Computer Electronic Repair
  • Computer Programming
  • Computer System / Network Developer
  • Cyber Liability
  • Data Breach
  • eBay Sellers
  • Electronic Data Processing
  • Internet Business
  • Internet Service Provider
  • IT Consultant
  • Online Store
  • Social Media
  • Software Developer
  • Technology Services
  • Telecommunications
  • Website Design
  • Specialty Computer

Discover what types of commercial insurance government entities need.

  • Auditoriums
  • County Administration Offices
  • Courthouses
  • Fire Departments
  • Government Buildings
  • Law Enforcement Entities
  • Municipalities
  • Public Buildings
  • Specialty Government

Find out what types of business insurance that hotels, motels and other lodging places should have to protect their varied operations.

  • Bed & Breakfast
  • Boarding & Rooming Houses
  • Fraternity Houses
  • Hotel Motel
  • Sorority Houses
  • Specialty Hotels And Motels

Learn all about manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.

  • 3D Printing
  • Audio & Video Equipment
  • Bottling Plants
  • Brooms & Brushes
  • Camping Equipment
  • Canned Fruit & Vegetables
  • Canvas Products
  • CBD Oil And Hemp
  • Clock & Watch
  • Commercial Air Conditioning
  • Commercial Electronics
  • Communications Equipment
  • Construction Equipment
  • Cork Products
  • Dairies & Creameries
  • Down And Feather Products
  • Dyes & Pigments
  • Electronic Toys & Games
  • Electroplating
  • Exercise Equipment
  • Farm Equipment
  • Feed & Grain
  • Flavoring Extracts
  • Frozen Foods
  • Fruit Juice
  • Fur Garment
  • Garage Door
  • Gypsum Products
  • Industrial Equipment
  • Insecticides
  • Iron & Steel Foundries
  • Lawn Mowers
  • Leather Apparel
  • Leather Goods
  • Lighting & Wiring
  • Lumber & Wood Products
  • Machine Shop
  • Major Electrical Appliances
  • Marijuana Products
  • Mattresses & Box Springs
  • Metal & Plastic Furniture
  • Metal Heat Treating
  • Musical Instruments
  • Nanotechnology
  • Nonferrous Foundries
  • Ornamental Metalwork
  • Paper & Allied Products
  • Pharmaceuticals
  • Plastic & Rubber Toys
  • Plastic Goods
  • Plastics Molding, Forming & Extruding
  • Product Liability
  • Prosthetics
  • Psychedelic Drugs
  • Pulp & Paper Mills
  • Residential Air Conditioning & Heating
  • Rubber Goods
  • Sawmills & Planing Mills
  • Screw Machine Products
  • Sheet Metal
  • Soap & Detergent
  • Small Electrical Appliances
  • Sporting Goods
  • Stone Products
  • Textiles Finishing & Coating
  • Tool & Die Shops
  • Vegetable Juice
  • Vending Machines
  • Wood Furniture
  • Woodworking
  • Writing Instruments
  • Specialty Manufacturing
  • Specialty Product Liability

Learn about marine, boat and watercraft insurance - a specialized form insurance that provides coverage for hull losses, cargo losses as well as liability for passenger injuries, environmental damage, and third-party damage caused by watercraft accidents.

  • Boat Dealers
  • Ship Chandlers
  • Boat & Watercraft Insurance
  • Specialty Marine

Discover small business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability policy that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

  • Ambulatory Surgical Center
  • Art Therapy
  • Assisted Living Facilities
  • Blood Banks
  • Dental Office
  • Diagnostic Imaging Centers
  • Health Maintenance Organizations
  • Healthcare Facilities
  • Home Medical Equipment Dealers
  • Malpractice
  • Marriage & Family Therapy
  • Medical Clinics
  • Medical Laboratories
  • Medical Marijuana Dispensary
  • Medical Practice
  • Medical, Surgical & Hospital Supply Store
  • Mental Health Counseling
  • Nurse Registry
  • Occupational Therapy
  • Ophthalmologist
  • Optometrist
  • Osteopathic Physicians
  • Otolaryngologists
  • Physicians Office
  • Plastic Surgeons
  • Podiatrists
  • Prosthetists
  • Psychiatrists
  • Skilled Nursing Facility
  • Speech Therapy
  • Substance Abuse Counseling
  • Telemedicine Business Insurance
  • Veterinarian
  • Specialty Medical Centers And Clinics
  • Specialty Medical Malpractice

Find informative articles on miscellaneous businesses including the types of insurance policies and coverage they need, costs and other considerations.

  • Adult Daycare
  • Agriculture, Forestry, Fishing & Hunting
  • Control of Well
  • Electric Utilities
  • Employment / Staffing Agency
  • Engraving Business
  • Facility Support Services
  • Oil And Gas Lease
  • Personal Concierge
  • Photofinishing Lab
  • Portable Sanitation
  • Private Water Districts
  • Process Server
  • RV Parks & Campgrounds
  • Security Guard
  • Waste Disposal Landfill
  • Wedding Planner
  • Specialty Accident And Sickness / AD&D
  • Specialty Amusement Parks And Rides
  • Specialty Auctions And Farmers Markets
  • Specialty Business Risks
  • Specialty Communication
  • Specialty Design
  • Specialty Drugs And Alcohol
  • Specialty Employee Protection
  • Specialty Energy
  • Specialty Environmental Risks
  • Specialty Firearm And Shooting
  • Specialty Hazardous Materials
  • Specialty Health Risks
  • Specialty Machinery And Tools
  • Specialty Merchandise
  • Specialty Mobile And Modular Homes
  • Specialty Motorcycle Risks
  • Specialty Natural Disasters
  • Specialty Oil And Chemical
  • Specialty Prize Indemnification
  • Specialty Programs
  • Specialty Railroad
  • Specialty Security Risks And Equipment
  • Specialty Substandard Risks
  • Specialty Travel
  • Specialty Weather Related

Find useful articles on business insurance for non-profit 501(c)(3) organizations, charities and associations.

  • Animal Shelter & Pet Rescue
  • Classic & Collector Car Clubs
  • Fraternal Organization
  • Goodwill Industries
  • Labor Union
  • Parent Teacher Organization
  • Public Administration
  • Red Cross Chapters
  • Salvation Army
  • Social Work Services
  • Veterans Groups
  • Volunteers of America
  • Youth Groups
  • Specialty Community Service Organizations
  • Specialty Nonprofit Agencies

Get informed about professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your small business against claims that a professional service you provided caused your client financial loss.

  • Answering Service
  • Armored Car
  • Attorney Lawyer
  • Background Music Services
  • Bookkeeping
  • Business Consulting
  • Chemical Engineers
  • Civil Engineers
  • Claims Adjuster
  • Commercial Laundries
  • Commodity Broker
  • Corporate Wellness
  • Court Reporter
  • Credit Bureaus
  • Debt Collection Agency
  • Detective Agency
  • Diaper Services
  • Electrical Engineering
  • Engineering
  • Environmental Consultant
  • Executive, Career & Life Coaching
  • Executive Search Firm
  • Expert Witness
  • Financial Planner
  • Financial Services
  • Funeral Directors
  • HR Consultant
  • Inspection Bureaus
  • Insurance Agents & Brokers Insurance
  • Interpreter
  • Mediator - Arbitrator
  • Medical Billing
  • Music, Drama & Dance Therapy
  • Office Machine Repair & Maintenance
  • Piano Tuners
  • Project Management
  • Safety Consultants
  • Speakers Bureaus
  • Stockbrokers
  • Temporary Staffing
  • Tax Preparer
  • Title Abstractors
  • Valet Parking
  • Specialty Consultants
  • Specialty Service Business

Learn about real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.

  • Corporate Office
  • Home Inspection
  • Property Manager
  • Real Estate Agents
  • Real Estate Appraiser
  • Specialty Real Estate

Read valuable retail insurance policy information. In a retail business, you need to have the right type of business insurance coverage so that your store, employees, and inventory are protected.

  • Adult Novelty
  • Antique Dealers
  • Appliance & Electronics Store
  • Army Navy Surplus Stores
  • Art Dealers
  • Art Gallery
  • Arts & Crafts Supply Stores
  • Bicycle Shop
  • Bridal Shop
  • Candy Confectionery Store
  • Carpet Store
  • Cell Phone Stores
  • Clothing Store
  • Collectibles Memorabilia Store
  • Consignment Stores
  • Convenience Store
  • Cosmetics Store
  • Costume Stores
  • Dry Cleaning
  • Embroidery Services
  • Equipment Rental
  • Fabric Stores
  • Fish Markets
  • Flea Markets
  • Funeral Home
  • Furniture Store
  • Greeting Card Stores
  • Hardware Store
  • Harness & Saddle Shops
  • Home Improvement Store
  • Infant, Baby & Children's Clothing Stores
  • Jewelry Store
  • Lamp Stores
  • Lingerie Store
  • Luggage Store
  • Meat Market & Butcher Shop
  • Men's Clothing Stores
  • Music Store
  • Office Supply Store
  • Paint & Wallpaper Store
  • Pharmacy Liability
  • Plumbing Supplies Fixtures Store
  • Poultry Dealers
  • Rent To Own Stores
  • Scrap Metal Dealers
  • Sewing Store
  • Sporting Goods Store
  • Stationary Store
  • Thrift Store
  • Ticket Agency
  • Tobacco Store
  • Travel Agency
  • Trophy Stores
  • Tuxedo And Formal Wear Rental Store
  • Vending Machine Operators
  • Women's Clothing Stores
  • Specialty Retail Stores

Learn about commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

  • Insurance Automotive Terms Glossary
  • Amazon Delivery Drivers
  • Ambulance Services
  • Big Rig Truck
  • Bobtail Non-Trucking Liability
  • Charter And Tour Bus
  • Commercial Auto Liability
  • Commercial Electric Vehicle Insurance
  • Commercial Van
  • DoorDash, GrubHub & Uber Eats Drivers
  • Freight Forwarder
  • Household Goods Moving
  • Motor Truck Cargo
  • Non-Owned And Hired Auto Liability
  • Owner Operator
  • Pizza Delivery
  • Repossession
  • Specialty Automobiles, Trucks And Recreational Vehicles
  • Specialty Physical Damage

Protect your company and employees with insurance coverage. Read informative articles on small business insurance policies - and how they can help shield your company from legal liabilities.

  • Small Business
  • Business General Liability
  • Business Liability
  • Business Owners Policy (BOP)
  • Certificate of Insurance
  • Commercial Auto
  • Commercial Crime
  • Commercial Package Policy
  • Commercial Umbrella
  • Comprehensive General Liability
  • Directors and Officers Liability
  • Employment Practices Liability
  • Event Cancellation
  • Fiduciary Liability
  • General Liability
  • Home Based Business
  • Independent Contractor
  • Liability Insurance Certificate
  • Liability Insurance
  • Ocean Marine
  • Professional Liability
  • Self-Employed
  • Specialty Directors And Officers Liability
  • Specialty Errors And Omissions
  • Specialty Excess

Learn about sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

  • Golf Course & Country Club
  • Gym Fitness
  • Hole-In-One Insurance
  • Ice Skating Rinks
  • Martial Arts
  • Professional Sports
  • Sports Team
  • Yoga Teacher
  • Specialty Sports And Hobbies

Learn about warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.

  • Cold Storage
  • Grain Elevator
  • Mini-Warehouses
  • Self-Storage
  • Small Bay Warehouse

Read informative articles on wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.

  • Air Conditioning And Heating
  • Audio And Video Equipment
  • Beer & Ale
  • Cameras & Musical Instruments
  • CDs, DVDs And Videos
  • Confectioners
  • Dairy Products
  • Electrical Appliances
  • Electrical Equipment
  • Electrical Supplies
  • Electronic Equipment
  • Greeting Cards
  • Importer & Exporter
  • Liquor Wholesaler
  • Manufacturers Representative
  • Motion Picture
  • Plate Glass
  • Plumbing Supplies
  • Restaurant Equipment
  • Roofing Materials
  • Seed Merchants
  • Theatrical Supplies
  • Wholesale Florist
  • Wholesaler Distributor
  • Specialty Dealers And Distributors

Learn about workers compensation insurance - a policy provides medical, wage and other benefits to employees who are injured or become ill at work.

  • Employers Liability
  • Workers Compensation Class Codes
  • Workers Compensation Insurance
  • Workers Compensation Insurance Laws
  • Specialty Workers Comp

Small Business General Liability Insurance Information

Additional resources for small business insurance.

Small Business Commercial Insurance

Your small business faces many potential disasters including: fire, floods, theft, equipment breakdown, lawsuits from clients or customers and current & former employees. Any many other risks you haven't even thought about.

A small business commercial insurance program should provide protection for both larger and smaller disasters. The obvious things like fire, flood and theft most business owners think about... but what if a hacker infects your computers with a virus - and files containing private customer information like credit card and Social Security numbers are stolen?

Who is going to pay to fix your customers credit rating etc...? Will your insurance pay for the cost? You need to know that.

Your commercial insurance program should cover events that can close down your company, or cause it to lose revenue. Anything less than that is not enough coverage. Commmercial insurance doesn't cover everything, and all policies have exclusions and limits.

You need a written plan that allows you to get your operations back up and running as quick as possible.

Free Business Insurance Quote Click Here

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  2. Voo Livre Travel in Hyannis, MA with Reviews

    Website. 24 Years. in Business. (978) 263-7795. 100 Independence Dr Ste 7. Hyannis, MA 02601. CLOSED NOW. From Business: Cruise Planners, an American Express Travel Representative, has a tremendous reputation for quality, service, and very competitive pricing for ALL of your travel…. 3.

  3. Travel Agencies

    Voo Livre Travel, Corporation. 145 Barnstable Road # 2. Hyannis, MA (508) 437-1953. Categorized under Travel Agencies. 32 Main Street LLC. 25 Main Street. Hyannis, MA (508) 778-1829.

  4. Voo Livre Travel

    Voo Livre Travel is a travel agency based in Barnstable, MA, offering convenient and affordable travel options to destinations worldwide, with a special focus on Brazil. With a commitment to honesty, respect, and attentive customer service, they strive to provide the best itineraries and fares, allowing passengers to make informed decisions and ...

  5. Vôo Livre Travel

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  6. Voo Livre Travel in Hyannis, MA with Reviews

    Find 106 listings related to Voo Livre Travel in Hyannis on YP.com. See reviews, photos, directions, phone numbers and more for Voo Livre Travel locations in Hyannis, MA.

  7. Voo Livre Travel in West Yarmouth, MA 02673

    Voo Livre Travel located at 22 MA-28, West Yarmouth, MA 02673 - reviews, ratings, hours, phone number, directions, and more.

  8. Best Things to Do in Hyannis, MA: Top 12 Attractions to Visit

    Here's all the best attractions in Hyannis that you should know about. 1. Kalmus Beach. If you're wondering about the best things to do in Hyannis for a quintessential Cape Cod beach experience, look no further than Kalmus Beach. This sandy stretch is a paradise for both sun-worshippers and water sports enthusiasts.

  9. Hyannis is the Easiest Way to Do Cape Cod this Summer

    Peter Pan runs direct bus service to Hyannis from Boston, with multiple pick-up spots right in town and even one at Logan airport. Drop-off lands you right off on Hyannis's central Main Street. In less than two hours and for about $20, you'll be whisked from Boston's busy city center to a small town summer oasis, and you don't even have ...

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  11. Travel & Leisure

    Travel & Leisure. Manta has 72 businesses under Travel & Leisure in Hyannis, MA. Featured Company Listings

  12. Voo Livre Travel in South Yarmouth, MA

    Find 91 listings related to Voo Livre Travel in South Yarmouth on YP.com. See reviews, photos, directions, phone numbers and more for Voo Livre Travel locations in South Yarmouth, MA.

  13. VOO LIVRE TRAVEL, CORP.

    Find company research, competitor information, contact details & financial data for VOO LIVRE TRAVEL, CORP. of West Yarmouth, MA. Get the latest business insights from Dun & Bradstreet.

  14. VOO LIVRE TRAVEL, CORP. :: Massachusetts (US)

    Free and open company data on Massachusetts (US) company VOO LIVRE TRAVEL, CORP. (company number 461593124), 22 ROUTE 28, WEST YARMOUTH, MA, 02673. Learn how to leverage transparent company data at scale. Subscribe to our emails. ... HYANNIS,, MA, 02601, USA Latest Events. 2021-08-30 - 2021-09-05 Addition of officer LEONICE ZON DE ANDRADE ...

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  16. Vôo Livre (@voolivretb) • Instagram photos and videos

    5,351 Followers, 17 Following, 3,324 Posts - See Instagram photos and videos from Vôo Livre (@voolivretb)

  17. Voo Livre Travel in Yarmouth Port, MA

    Find 110 listings related to Voo Livre Travel in Yarmouth Port on YP.com. See reviews, photos, directions, phone numbers and more for Voo Livre Travel locations in Yarmouth Port, MA. ... Hyannis, MA 02601. CLOSED NOW. 7. Family Discount Cruises. Travel Agencies Cruises (774) 470-6131. 36 Alicia Rd. Hyannis, MA 02601. 8.

  18. Voo Livre Travel, Corp. Company Profile -Sales, Contacts, Competitors

    Voo Livre Travel, Corp. is located in West Yarmouth, Massachusetts. This organization primarily operates in the Travel Agencies business / industry within the Transportation Services sector. This organization has been operating for approximately 9 years. Voo Livre Travel, Corp. is estimated to generate $160,348 in annual revenues, and employs ...

  19. Pro-Cuts, 145 Barnstable Rd, Suite 2, Hyannis, MA

    Hyannis, MA 02601 Open until 11:59 PM. Hours. Sun 12:00 AM -11:59 PM Mon 12:00 AM ... Voo Livre Travel. Cape Gun Works. Cape Cod Angels Home Care. Pr Cleaning Services. Digital Marketing Solutions. Astrology gifts. Bank of Canton. The Smoke Hub. 3 reviews.

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  21. Cape Cod Foodie Tours, Hyannis, MA (2023)

    Voo Livre Travel Barnstable Road . Nearby hotels. International inn&Suites Main Street . International Inn Bar&Grill 02601 . Rsvlts at Islands Main Street . Nearby transport services. ... Hyannis Financial/GIA 02601 . Guild Mortgage Company Sea Street . Cape Cod Financial Planning ...

  22. Travel Agencies

    Manta has 715 businesses under Travel Agencies in Massachusetts. All Company Listings. The Travel Experience Inc. 634 Broadway. Raynham, MA ...

  23. Apothecare of Cape Cod, 145 Barnstable Rd, Ste 3, Hyannis, MA

    Hyannis, MA 02601 Open until 6:00 AM. Hours. Mon 8:00 AM ... Voo Livre Travel. Cape Gun Works. Cape Cod Angels Home Care. Pro-Cuts. Suite 2. Pr Cleaning Services. Digital Marketing Solutions. Astrology gifts. Bank of Canton. The Smoke Hub. 3 reviews. Child Development. Find Related Places.