Business Insurance Information County Guide

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Business Insurance By County Directory

Business Insurance Information County Guide

Business Insurance Information County Guide. From the East Coast to the West Coast, there are over 3200 US counties. Virtually every businesses in these localities - both large and small - needs business insurance.

Some of the most frequently asked questions are; What insurance should my business have? How much insurance is required? How much does it cost? How much insurance do I need?

So where do you find the small business insurance information you need? Here in the business insurance information county guide. Just select your state below to find the small business information for the county you are looking for.

Use the business insurance information county guide to find small business insurance costs, coverages and minimum state requirements for general liability, workers compensation, commercial auto and more.

Browse The Business Insurance Information County Guide Directory

Find business insurance information by US county and state:

Why Do You Need Commercial Insurance?

Business insurance information county guide. Small businesses need commercial insurance because it helps cover the costs from third-party property damage and liability claims.

Without commercial insurance, business owners may have to pay large out-of-pocket costs for damages and legal fees against their company. Depending on the what happened, this could be financially devastating, and end in bankruptcy or the loss of the business.

Many landlords and companies contractually small businesses to carry certain types of business insurance such as general liability and commercial property.

It's important to note that in most states (and all the counties therein), businesses are legally mandated to have specific types of business insurance:

  • Workers Compensation Insurance
  • Disability Insurance
  • Unemployment Insurance

Most of these required coverages are to protect the business' employees. But many counties and municipalities require general liability and other liability coverages to build or contract in their jurisdictions as well.

How To Pick What County To Locate Your Business In

According to the Small Business Administration (SBA), "Your business location determines the taxes, zoning laws, and regulations your business will be subject to. You'll need to make a strategic decision about which state, city and neighborhood you choose to start your business in."

The SBA also states, "You'll need to register your business, pay taxes, and get licenses and permits in the place you choose to locate your business. Where you locate your business depends in part on the location of your target market, business partners, and your personal preferences. In addition, you should consider the costs, benefits, and restrictions of different government agencies.

US County Demographics

According to the small business administration, here are some more demographics on US Counties during years 2010 to 2020:

Growth and Decline
  • Out of 3,142 counties and county equivalents, 1,610 (51.2%) gained population between 2018 and 2019. Nine counties (0.3%) experienced no change in population during this time, while the remaining 1,523 (48.5%) lost population.
  • Between 2010 and 2019, 1,459 (46.4%) counties gained population, and 1,683 (53.6%) lost population.

Natural Increase
  • Of the 3,142 counties, 1,799 (57.3%) experienced natural increase between 2010 and 2019, meaning the county had more births than deaths.

Net Migration
  • Among the 3,142 counties, 1,290 (41.1%) counties showed positive net migration between 2010 and 2019, meaning more people moved into the county than moved out.
  • Between 2010 and 2019, over half of counties (63.9%) experienced net domestic out migration. During the same period, only 13.9% of counties lost population through net international migration.