Sarah Chen
Small Business Insurance Editor
Sarah Chen is an editor and writer specializing in small business finance and risk management. Before joining Dareable, she covered insurance and legal topics for a national small business publication. She holds a B.S. in Finance from the University of Texas.
Sarah Chen writes commercial insurance guides for small business owners at Dareable. All articles are reviewed by a licensed CIC or CPCU before publication.
Articles by Sarah Chen(13)
Small Business Insurance in New York: Workers Comp, DBL, and Paid Family Leave
New York mandates workers comp, disability benefits, and Paid Family Leave for all employers. Here's what each covers, how to buy them, and what else you need.
Small Business Insurance in Colorado: FAMLI, Workers Comp, and Wildfire Risk
Colorado's FAMLI program launched in 2024, wildfire is pushing commercial property rates up, and workers comp is mandatory. Here's what Colorado businesses need.
Nonprofit Organization Insurance: What Your 501(c)(3) Actually Needs
Nonprofit status provides no liability protection. Board members can be sued personally. Here's what D&O insurance is, what volunteers need, and what nonprofits must carry.
Event Planner and Wedding Vendor Insurance: What You Need to Carry
Venues want a COI. Clients want E&O. Special event cancellation is a third product entirely. Here's what each event vendor type actually needs to carry.
Business Owner's Policy vs. Individual Policies: Which Should You Buy?
A BOP bundles GL and commercial property at a discount but excludes workers comp, professional liability, and more. Here's when a BOP makes sense and when it doesn't.
Airbnb Host Insurance: What AirCover Doesn't Cover and What You Actually Need
AirCover is not insurance. It has exclusions, claim disputes, and no legal defense. Here's what Airbnb hosts actually need to protect their property and income.
What Is an Additional Insured Endorsement? The Clear Explainer
Additional insured is the most misunderstood term in business insurance. Here's what it actually covers, what it doesn't, and the difference from a certificate holder.
Staffing Agency Insurance: The Complete Coverage Stack
Staffing agencies are employer of record for workers comp, liable for bad placements through E&O, and co-employers for EPLI. Here's how the coverage stack works.
Do I Need Business Insurance If I Have an LLC?
An LLC and business insurance are not interchangeable. Here's what an LLC cannot protect you from, and what insurance your LLC actually needs to carry.
Certificate of Insurance for Landlords: Tenant Requirements Explained
A COI proves coverage but doesn't guarantee it. Here's what landlords should require, what additional insured status means, and what delays lease signings.
Commercial Umbrella Insurance for Small Business: What It Is and When You Need It
A commercial umbrella policy adds coverage above your existing limits for $500-$1,500/year. Learn how it works, what it excludes, and when to buy it.
EPLI Cost: How Much Does Employment Practices Liability Insurance Cost?
Real EPLI premium numbers by company size and industry, plus the underwriting factors that move your rate - and how HR practices lower what you pay.
Workers Comp Insurance in California: True Cost Breakdown
California workers comp costs nearly double the national average. Here's how premiums are calculated, what class codes do to your rate, and how to reduce what you pay.