Workers Comp Requirements by State
NAIC 2025: U.S. businesses face $170B in workers comp requirements by state costs. Discover compliance rules and avoid penalties today.
Cyber Insurance Coverage 2025
This 2025 visual illustrates how Silverfort strengthens identity-based cybersecurity controls, crucial for passing insurer audits. Data reflects NAIC Cybersecurity Model Law requirements.
Esthetician Insurance Guide 2025
In 2024, a licensed esthetician in Texas faced a costly lawsuit after a client suffered an allergic reaction to a facial treatment. Without proper esthetician insurance, she was left covering thousands of dollars in medical bills out of pocket. This real case highlights the hidden risks beauty professionals face every day. Esthetician insurance provides essential […]
Critical System Protection
In early 2024, a major healthcare provider in Texas suffered a ransomware attack that compromised patient data and disrupted services for weeks. This incident highlighted the urgent need for robust critical system protection to prevent costly breaches. According to a May 2024 report from Cybersecurity Ventures, cybercrime damages will exceed $10.5 trillion annually by 2025, […]
Letters of Coverage: Essential Guide to Easy Requests
Michael, a 45-year-old contractor from Austin, Texas, was preparing to start a new project when his client requested a letter of coverage. Unfamiliar with the document, Michael worried about delays and legal risks. In 2024, nearly 65% of small businesses reported confusion about insurance paperwork, according to the National Association of Insurance Commissioners (NAIC). A […]
Certificate of Liability Insurance
Mark, 45, a contractor from Dallas, Texas, once faced a contract delay because his client requested a certificate of liability insurance (COI) he didn’t have on hand. In 2024, over 60% of U.S. small businesses require a COI before starting work, according to the National Association of Insurance Commissioners (NAIC). Many business owners don’t fully […]
Certificate of Insurance: Essential Facts & How to Verify
At 45, Mark from Denver, Colorado, runs a small construction business. When a client suddenly requested a certificate of insurance (COI) to prove his coverage, Mark realized he didn’t fully understand what it entailed. In 2024, over 65% of U.S. small businesses report confusion about COIs, according to the National Association of Insurance Commissioners (NAIC). […]
Insurance for Self-Employed
At 41, Marcus, a freelance videographer from Raleigh, North Carolina, found himself juggling invoices, taxes, and client deadlines—until a bike accident left him with a $9,000 ER bill and no health insurance. “I thought I could risk it another year,” he admitted, “but that one fall changed everything.” He’s far from alone. According to the […]
Builders Risk Insurance
Meet Sarah, a 38-year-old project manager from Dallas, Texas, overseeing the construction of a new commercial building. She recently heard that nearly 40% of construction projects in the US face unexpected delays or damages (source: NAIC, 2024), causing costly setbacks and insurance headaches. Worried about protecting her project, Sarah wonders: is there a way to […]
How Much Is Business Insurance?
On a busy Monday morning in Austin, Texas, 34-year-old business owner Sarah reviews her finances at the kitchen table, pondering how much is business insurance going to cost her company for the coming year. It’s a common worry—especially when recent data shows that close to 60% of small businesses across the United States are underinsured […]