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Petting Zoo Insurance Explained: E. coli Claims, Disease Exclusions and the $1M Limit Problem
Petting zoo insurance is liability cover hosts require at about $1 million per occurrence, but communicable disease exclusions and shared…
Read MoreHot Air Balloon Insurance Explained: Passenger Liability, Hull Cover and the Oversight Gap
Hot air balloon insurance covers hull, passengers and equipment, with California requiring $100,000 per seat while many states accept $1…
Read MoreAmusement Ride and Carnival Insurance Explained: $1M to $3M State Limits and Inspections
Amusement ride insurance is liability cover that states require at $1 million to $3 million, with annual inspections and the…
Read MoreFireworks Display Insurance Explained: $1M to $2M Limits, Permits and Who Carries the Risk
Fireworks display insurance is a liability policy permit offices require, commonly $1 million per occurrence and sometimes $2 million per…
Read MoreJewelers Block Insurance Explained: Transit, Trade Shows, Safeguard Warranties and Disappearance
Jewelers block insurance covers inventory on premises, in transit and at trade shows, but a proposal that becomes a warranty…
Read MorePool and Trampoline Insurance Explained: Attractive Nuisance Liability, Fence Rules and Umbrella Gaps
Pools and trampolines are attractive nuisances: home policies usually cover the liability but may add $50 to $100 a year,…
Read MoreCleaning and Janitorial Business Insurance Explained: Liability, Bonds, Workers’ Comp and Monthly Costs
Cleaning business insurance pairs general liability (about $30 to $60 a month) with workers' comp and a janitorial bond for…
Read MoreMedical Malpractice Insurance Explained: Claims-Made vs Occurrence, Tail Cover, Limits and Cost
Medical malpractice insurance is mostly claims-made, with standard limits of $1 million per claim and $3 million aggregate, and tail…
Read MoreTuition Insurance Explained: College Refund Plans, Cost, Mental Health Cover and Exclusions
Tuition insurance refunds a share of tuition when a student must withdraw for a covered medical reason, commonly costing 1%…
Read MorePrivate Mortgage Insurance (PMI) Explained: Cost, Cancellation at 80% and 78% and Lender-Paid Options
Private mortgage insurance protects the lender and costs about 0.46% to 1.5% of the loan a year. You can request…
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