The guides

Seven things I wrote down so I'd stop repeating them.

The questions I get asked all the time — what a certificate actually is, why your work comp jumped, where to start — answered in plain English. Free, no email required. Send them to anyone who needs them.

Ben Page · Idaho Falls & South Jordan · licensed in Idaho and Utah

Restaurant Insurance 101 Work comp and the state-fund escape, liquor liability, the gaps that get missed, and the year-end audit. Contractor Insurance 101 Certificates, subs, the installation floater, and where contractor coverage actually leaks. Starting a contracting business The right order of operations — the bookkeeper, the entity, Idaho registration vs Utah licensing, W-2 vs 1099, and your first audit. 1099 or W-2? Decide for real. The label isn't yours to pick — who decides, what an injury with no work comp behind it costs, the Utah waiver, and why certs are premium. Insurance words, translated The glossary: dec pages, additional insured, the mod, class codes, the if-any policy — every word in plain English, with what it means for your wallet. What's a certificate of insurance, really? Additional insured, waiver of subrogation, and what to do when someone asks for wording you don't recognize. Why your work comp costs what it does What actually drives the price, why your experience mod follows you, and the things that quietly push it too high. A simpler way to think about insurance Cover what could close the doors. Absorb what you can. Here's how I decide.

Shorter reads, same plain English.

Your business changed your personal insurance. Higher limits on purpose, the truck that does both jobs, the umbrella that stopped being optional.
Do you have to be in the state fund? Probably not — and most businesses that could leave never find out.
Ten work comp facts nobody tells you. The mod follows you, this year's claim hits later, and never pay an injury out of pocket.
The contractor insurance mistakes I keep seeing. None of them are exotic, and every one is cheap to fix before.
The restaurant insurance mistakes I keep seeing. Starting with the package nobody's re-read since opening day.

I wrote these because I'd rather you read the answer than take my word for it. If one of them leaves you with a question, that's the text I want.

Text me a question Or type it on my contact page →

General information, not advice on your specific policy.