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

Driver reviewing SR-22 insurance requirements document with an insurance agent

How SR-22 Insurance Works and Who Is Required to Get It

Learn about SR-22 insurance requirements. Discover who needs it, how it works, what it costs, and how to file it with your state.

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Side-by-side comparison chart of HMO vs PPO health insurance plans

HMO vs PPO: Which Health Insurance Plan Should You Choose?

Learn about HMO vs PPO health insurance plans. Compare costs, flexibility, and coverage to decide which plan best fits your healthcare needs and budget.

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Best term life insurance companies comparison chart for 2026

Best Term Life Insurance Companies for 2026

Learn about the best term life insurance companies. Compare top providers by price, coverage, and ratings to find your ideal policy in 2026.

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Side-by-side comparison chart of health insurance deductible vs out-of-pocket maximum

Health Insurance Deductible vs Out-of-Pocket Maximum: What Is the Real Difference?

Learn about deductible vs out-of-pocket maximum. Discover how each limit works, when they apply, and how to choose the right health plan for your budget.

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Self-employed worker reviewing health insurance plans on a laptop in 2026

Best Health Insurance Plans for Self-Employed Workers in 2026

Learn about health insurance for self-employed 2026. Compare the best plans, costs, and coverage options to protect your health and your business.

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Liability Insurance: Why Lawsuits Are Quietly Getting More Expensive

Liability insurance costs are surging as lawsuits rise. Discover what’s driving the spike and how it could impact businesses and consumers in 2026.

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