Editorial Policy & Standards

Get Business Coverage publishes educational content about commercial insurance: coverage guides for small businesses by industry and by coverage type, side-by-side comparisons, an 107-term glossary, downloadable resources, and structured cost ranges. This document explains the editorial standards we apply to that content — what we check, how we cite, when we correct, and where the lines are between editorial and commercial.

What we publish

Our content falls into a small set of categories:

• Coverage pillars — deep explanations of the six commercial coverage types (General Liability, Business Owners Policy, Workers Compensation, Commercial Auto, Professional Liability, Umbrella).
• Industry guides — what a specific small-business vertical needs (food trucks, restaurants, landscaping, plumbing, trucking, salons, religious organizations, etc.), with NAIC codes, vertical-specific exposure points, and typical premium ranges.
• Glossary — 107 definition entries with concrete examples, organized by category.
• Comparisons — side-by-side coverage comparisons (e.g., BOP vs General Liability) for buyers in research mode.
• Resources — actionable checklists, decision guides, and playbooks for small-business owners shopping for coverage.
• Cost ranges — structured premium ranges per vertical with industry-primary citations.

We do not publish opinion pieces, rate predictions, carrier endorsements, or content presenting our own quote-form data as a market benchmark.

How we fact-check

Every guide containing coverage information goes through a layered review:

1. Editorial draft. A draft is assembled from the source materials and structured against our standard outline.
2. Source verification. Every quantified claim (premium range, statistic, statute citation, regulatory requirement) is checked against at least one published industry source before the draft is reviewed.
3. Licensed-agent review. Jason Wootton (California-licensed P&C insurance agent, CA #0I94454) reads the draft from a licensed agent's perspective for factual accuracy on coverage mechanics, regulatory accuracy, and pricing-range plausibility. Anything the licensed reviewer flags is corrected or removed before publication.
4. Source citation pass. Every source used in the guide is added to the inline «Sources cited» section so a reader can trace any claim to its origin.

If a coverage claim cannot be sourced to a published industry reference, we do not include it. This is a hard rule, not a guideline.

How we cite sources

Our sourcing policy is industry-primary. Published industry sources lead every claim; our own quote-form data, when cited at all, is corroborating only. Source priorities, in order:

1. Third-party industry research — Insurance Information Institute (III), National Association of Insurance Commissioners (NAIC), US Bureau of Labor Statistics (BLS), NCCI loss-cost data, IRMI, FMCSA / NHTSA / FDA / ACORD, US Department of Treasury.
2. Industry trade associations — NRA, NALP, ACRA, PBA, NLA, ATRI, and others per vertical.
3. Published carrier rate sources — Insureon, MoneyGeek, NerdWallet, Logrock, and named-carrier public quote tools.
4. State Departments of Insurance + state regulator filings — for state-specific minimums, statute citations, and monopolistic-fund rules.

We do not lead claims with our own quote-form data. Get Business Coverage marketplace observations may be cited only as a corroborating signal where the cohort meets minimum sample-size thresholds and is clearly disclosed as «corroborating only». See editorial methodology for the full sourcing hierarchy.

Correction policy

When we identify an error or a claim becomes outdated, we update the affected pages and log the change. Specifically:

• Factual errors. Corrected as soon as identified. The corrected version becomes the canonical content on the affected page.
• Outdated statutes or regulatory references. Refreshed after state legislative sessions and after major federal regulatory updates. Affected pages have their dateModified + visible «Last reviewed for regulatory accuracy» date updated.
• Premium-range refreshes. Reviewed quarterly against the most recent published industry sources. Updated when the source range moves materially.
• Source URL decay. Tracked via an automated URL-liveness CI test. Broken sources are repaired or replaced before next deploy.

Every material change to public content is logged internally in our deploy-change record alongside the source citation it depends on. To report an error or out-of-date claim, contact editorial@getbusinesscoverage.com.

AI usage transparency

We use AI tools (large language models) to assist with drafting, structural editing, and source-checking. Specifically:

• Drafting and structural editing. AI assists in assembling drafts from source materials and applying our standard outline. AI does not author final published content without human review.
• Source-checking assist. AI is used to locate candidate source URLs and flag potential citation gaps. Every cited source is verified by a human against the published reference before inclusion.
• Every coverage claim is reviewed by Jason Wootton (CA-licensed P&C, CA #0I94454) before publication. AI-assisted drafts do not bypass this review. The licensed-agent review is a hard gate, not advisory.
• We do not publish AI-synthesized content as authoritative. Where AI tools produce content that cannot be sourced to a published industry reference, that content is not included. This is the same standard we apply to any unsourced claim.

Our AI usage is consistent with Google's guidance on AI-assisted content: focused on supporting expert editorial workflows rather than substituting for them. The licensed reviewer is the binding authority on what publishes.

Advertiser separation

Get Business Coverage is a commercial-insurance referral service. We receive compensation when users click to or quote with carrier partners. Editorial standards we apply to maintain separation between editorial content and commercial relationships:

• Compensation does not influence editorial. Research findings are independent of carrier compensation arrangements. We may include carriers we do not have referral agreements with when they are the best fit for a specific business profile.
• Compensation arrangements are disclosed. Every page that may include affiliate links includes an advertiser-disclosure block. The full disclosure also appears at /methodology.
• Editorial team operates independently of sales. The licensed reviewer (Jason Wootton) reviews content for accuracy without input from carrier-partner relationships.
• Carriers we work with are not preferred in editorial framing. A guide explaining when General Liability is the right coverage class does not change because a particular carrier sells more GL than another.

Lane discipline (who can say what)

The editorial team has 6 contributors. Only one is a licensed insurance agent. The other five operate strictly within non-licensed lanes:

• Jason Wootton — California-licensed P&C insurance agent (CA #0I94454). Reviews every coverage guide. The only team member who can speak to coverage selection.
• Justin Marks — Editor. Editorial standards, research methodology, source verification, structural editing. Not a licensed agent.
• Debbie Kinkela + Paige Tyrrell — Customer Service & Operations. Operational observations, CX patterns. Not licensed; never give insurance advice.
• Dave Benson + Jeff Benson — Finance & Technology. Marketplace-data analysis, platform technology. Not licensed; never give insurance advice or financial planning advice.

Where a non-licensed contributor authors content (e.g., the marketplace data methodology page by Dave Benson or the customer experience methodology page by Paige Tyrrell), the content is strictly within their non-licensed lane and is reviewed by the licensed reviewer for any phrasing that could be read as coverage advice.

Update cadence

Every published page tracks both its last editorial-edit date and its last regulatory-review date. Pricing and regulatory figures are refreshed quarterly. State-specific statutes are reviewed after legislative sessions affecting commercial insurance. Coverage-mechanism explainers are reviewed annually unless a regulatory change requires sooner. The dateModified on every page's Article schema reflects the most recent editorial maintenance event.

Editorial contact

Errors, out-of-date claims, source corrections, or editorial-process questions: editorial@getbusinesscoverage.com. We acknowledge receipt within 2 business days. Material corrections are reflected on affected pages within 5 business days; complex corrections requiring source re-verification may take longer.

How we made this article

• Drafted by Justin Marks, Founder & Editor. (Not a licensed insurance agent.)
• Reviewed for regulatory accuracy by Jason Wootton, California-licensed P&C insurance agent (CA #0I94454). Verify license ↑
• Last updated May 30, 2026. We refresh this policy when our editorial standards or processes change.

See also: editorial methodology (sourcing policy), marketplace data methodology (Dave Benson), customer experience methodology (Paige Tyrrell).