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Cover Image for What Does HVAC Contractor Insurance Cost? (What You Need & Real Prices)

What Does HVAC Contractor Insurance Cost? (What You Need & Real Prices)

The core coverages HVAC contractors actually need, the traps that cause claims to be denied, and real‑world pricing examples you can use to benchmark your insurance program. There is also a copy‑and‑paste checklist you can download to get claims‑ready coverage at a fair price.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
5 minute read
Cover Image for A Guide To Commercial Building Insurance (What You Need & Pricing)

A Guide To Commercial Building Insurance (What You Need & Pricing)

This guide walks through the exact coverages building owners need, how to present your property for better terms, and real pricing benchmarks to frame expectations. Use it to protect your asset without overpaying.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
6 minute read
Cover Image for Plumbing Contractor Insurance (Cost & Coverages)

Plumbing Contractor Insurance (Cost & Coverages)

This guide explains the coverages a plumbing contractor actually needs, shows real world pricing benchmarks, and offers a downloadable checklist you can hand to any agent so you are fully protected without overpaying.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
6 minute read
Cover Image for Insurance For Business Consultants: What To Know

Insurance For Business Consultants: What To Know

This guide explains the coverages business consultants actually need, shows real world pricing benchmarks, and includes a downloadable checklist you can hand to any agent so you are fully protected without overpaying.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
5 minute read
Cover Image for What Does Coffee Shop Insurance Cost?

What Does Coffee Shop Insurance Cost?

Hot drinks, expensive espresso equipment, and steady foot traffic make coffee shops deceptively risky. One poorly written policy can force an owner to shut the doors - or put personal assets on the line. After helping shops across the U.S., here’s a straightforward guide to the coverages you actually need and real‑world price points you can use as a benchmark.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
3 minute read
Cover Image for Electrical Contractor Insurance (What You Need & Pricing)

Electrical Contractor Insurance (What You Need & Pricing)

A guide explaining insurance coverages electrical contractors need, detailing how each one covers them from fires, injury, and project-related lawsuits while showing policy exclusions that can undermine protection. We give real-world premium benchmarks tied to payroll and fleet size, offering a clear picture of fair pricing across business scales. A downloadable checklist caps the piece, giving contractors a practical tool to compare quotes and lock in comprehensive, cost-effective coverage.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
5 minute read
Cover Image for Non-Profit Foundation Insurance: Cost & Checklist

Non-Profit Foundation Insurance: Cost & Checklist

Foundations need insurance. D&O, Crime, Cyber, EPLI, General Liability, and Umbrella are a must to guard their mission and board members against lawsuits, theft, and cyber-crime, all for just a few thousand dollars a year.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
3 minute read
Cover Image for Web Developer Insurance: Checklist & Cost

Web Developer Insurance: Checklist & Cost

This guide walks you through why insurance matters, which policies actually protect a modern dev shop, and how to secure solid coverage without torching your budget.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
3 minute read
Cover Image for What Is Commercial Insurance? An Introduction

What Is Commercial Insurance? An Introduction

Commercial insurance can seem complicated. There are virtually unlimited options for you to purchase or not purchase. Knowing the basics with some commercial insurance 101 knowledge can help you manage your business risk, while helping you save money on coverage that you may not really need.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
15 minute read
Cover Image for Side A D&O Coverage: 6 Things You Should Know

Side A D&O Coverage: 6 Things You Should Know

Side A D&O Provides financial protection when a company cannot or will not indemnify the individual directors and officers, such as per a court order.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
6 minute read