Ridesharing has quickly become a mainstream way for people to get around. It’s also become a viable means for drivers throughout Vermont to earn extra money. Before driving for a ridesharing service, however, Vermont drivers should first check their car insurance to make sure they’ll be properly protected. In some cases, drivers might need to purchase additional coverage. 

General liability insurance is a common commercial insurance that many businesses in Vermont purchase. It’s included in most business owners policies and commercial package policies, and it can be purchased as a stand-alone policy. Not all businesses, however, have this form of insurance. If you run a business that doesn’t already have general liability coverage, here are three reasons why you may want to get it.

Business interruption insurance helps businesses cover unexpected losses of income that are caused by covered incidents. As is the case with most insurances, there are several different types of business interruption coverages. Here’s a look at three available coverages that Vermont businesses, depending on the nature of their operations, may want.

Most businesses in Vermont that sell alcohol to consumers should have liquor liability insurance. This insurance helps protect businesses from alcohol-related accidents they’re held responsible for. Here are five examples of incidents that liquor liability coverage might offer protection against. (Specific coverages vary, and depend on a particular policy’s terms and conditions.)

Surety bonds are used in a variety of situations to provide businesses, governments or individuals with guarantees. The type of surety bond that’s purchased depends on what the bond is being used for. Here are four common types of surety bonds that businesses in Vermont might come across.

When purchasing car insurance in Bradford, Vermont, drivers have several optional coverages to consider. One option coverage that many drivers select is comprehensive coverage. Here’s how to decide whether this coverage makes sense for you.

While many contractors purchase at least some of the equipment they use, there are situations when it makes sense for a contractor to rent or lease equipment instead of buying it. For instance, renting equipment can help reduce startup costs so new contractors can invest their capital towards other uses. Additionally, both new and established contractors sometimes need a specialized piece of equipment for a one-off project, and renting it is much less expensive than purchasing the equipment. Whatever a contractor's reason for renting equipment is, any contractor that rents or leases equipment should make sure their contractors insurance policy covers the rented equipment.

Most businesses that are legally required to have workers compensation insurance can choose any policy that meets Vermont’s requirement. Businesses that have workers who travel to other states, however, need a policy that extends coverage to the states in which the company’s employees travel. If you have a business in the area but send employees to other states, here’s how to find a workers compensation policy that will protect your employees when they’re outside Vermont.

Condominium owners generally aren’t held personally liable for accidents that happen in their building’s common areas. They can, however, end up being financially responsible for any accidents that their association is held liable for. If you own a condominium in Bradford, Vermont, make sure your personal condo insurance policy provides protection against this potential risk. The coverage to look for is loss assessment coverage.

It’s no secret that shopping around and comparing prices is one of the best ways to save on almost any product, from a new screwdriver to a new car. When purchasing homeowners insurance, it’s a little more difficult to accurately compare different companies’ offerings on your own than it is to evaluate different screwdrivers or, even, different cars. An independent insurance agent, however, can help you easily compare homeowners policies from every insurer serving Fayston, VT.