Priya Sharma,

Priya Sharma is a Commercial Insurance Broker & Risk Consultant with 14 years of experience working with businesses of all sizes on commercial insurance and risk management. She specializes in business liability, property, workers' compensation, and specialized coverages. Having run her own small consulting business earlier in her career, she deeply understands the unique risks entrepreneurs face. Priya writes for Smart Insurance 101 to provide business owners with honest, no-nonsense advice that helps them protect their livelihood and grow with confidence.

Author Archive: Priya Sharma

Types of Insurance and Their Benefits

There is almost an insurance policy for everything. However, some have greater importance than others.

Mar 4 2026

Why You Need a Liability Insurance as a Small Business Owner

Liability insurance is an important part of running any small business because it protects your business against the often-astronomical costs that come from lawsuits.

Nov 19 2025

What Is Liability Insurance and How It Works

Liability insurance is insurance that covers the costs that arise from legal proceedings or claims. It includes lawsuits, accidents, and other situations where a person can be the liability target.

Oct 22 2025

All You Need To know About General Insurance

General insurance is an important aspect of your financial life that you should know about and understand. It is a type of insurance that covers risks for people and their...

Aug 20 2025

What Is the Cost of Health Insurance?

Medical coverage insurance should be chosen after considering your needs, finances and current health, projections for the following year.

Jul 16 2025

US map showing minimum car insurance requirements by state for drivers

Minimum Car Insurance Requirements by State: What Every Driver Must Know

Learn about minimum car insurance by state. Discover your state's required coverage limits, liability laws, and how to stay legally protected on the road.

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Driver reviewing auto insurance policy considering whether to drop collision coverage on an older car

Should You Drop Collision Coverage on an Older Vehicle?

Learn about drop collision coverage old car decisions. Discover when it makes financial sense to remove collision from your aging vehicle's policy.

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Different car models lined up in a row with insurance rate icons representing varying premium costs

How Your Car’s Make and Model Secretly Drives Up Your Insurance Rate

Learn about car model insurance rate. Discover how your vehicle's make and model quietly impacts your premium—and what you can do to save money.

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Home office setup with laptop and documents representing home based business insurance coverage

Home-Based Business Insurance: Are Your Work Assets Protected at Home?

Learn about home based business insurance. Discover what your policy covers, what it doesn't, and how to protect your work assets at home.

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Homeowner reviewing loss of use coverage in a homeowners insurance policy document

What Is Loss of Use Coverage in a Homeowners Insurance Policy?

Learn about loss of use coverage homeowners policies include. Discover what it pays for, coverage limits, and how to use it after a covered disaster.

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Young new driver reviewing car insurance options on a laptop

Car Insurance for New Drivers: A Beginner’s Complete Guide

Learn about car insurance for new drivers. Discover coverage types, cost-saving tips, and how to choose the best policy as a first-time driver.

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