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Rachel Said:

i need a business liability insurance for a tattoo shop want to know if anyone has a company they could refer?

We Answered:

Well your best bet is to find a local broker as they have access to many different insurance companies and can find you the best deal.

Daryl Said:

Business Liability Insurance?

We Answered:

My quick answer would be no. But Business insurance is priced completely off of the type of work you do. If you say you are a contractor, you might want to add at least one zero to the end of those monthly figures. If you are a retail shop you may be looking at $40-$60 a month but I have never heard of a $96/yr Business insurance policy. I might be wrong depending on the state you are in and the type of work you are doing.

Darrell Said:

Liability insurance for small DJ / Karaoke business?

We Answered:

I pay less than $300 per year for liability insurance. My insurance company places certain requirements on my services. For instance, I have to have a contract with an indemnity clause or the insurance won't cover me. I've never had to use my insurance though.

I suggest checking out the two big national DJ associations. The national association of mobile entertainers (NAME) and the American Disc Jockey Association (ADJA). Each of them has an approved insurance provider. There's also a company WeDJ that has access to insurance as an addon to their regular packages. You might try them also.

Any of these organizations might also get you some more GIGs.

As a disclaimer, I'm a member of the American Disc Jockey Association and I'm part of the local chapters leadership so that's obviously the association that I prefer. I'm also a client of WeDJ.

Cynthia Said:

How much does liability insurance cost for inflatable jumper business?

We Answered:

You can't buy business insurance directly - and it's going to be "surplus lines" anyway. So, if I tell you Lloyds of London, it's not like you can bypass the agent and buy the insurance.

As far as pricing, it's going to depend on the gross sales and number of inflatables you have. I'd guess that liabiltiy will START at $2500, to maybe $5,000 per inflatable. I'd also guess, that you're going to have a minimum $2500 deductible PER CLAIM.

To buy the insurance, though, you'll have to go to a local, independent agent, who will be able to locate coverage for you.