About
Who writes this
A reference site for people who run a business out of a truck, written by one person who reads the actual policy forms.
The editor
Luciano Canziani, editor. Luciano Canziani is the editor and publisher of Small Trades Coverage. He researches how business insurance is actually sold and worded for one-person trade businesses in the United States, reads the published policy forms and carrier documentation directly, and is responsible for the site's editorial policy and corrections.
Every page on this site carries a byline. That is a deliberate standard: business insurance is a subject where anonymous advice is worth very little, and a reader has a right to know who is making the claim and whether they stand behind it.
Why this site exists
The people who explain business insurance to a one-person trade business are almost always selling it. Carrier pages describe what a policy does and stop there. General small business guides are correct and generic, and they never talk about the actual job: what happens when the pressure washer strips a customer's deck stain, when a customer's car is in your care in their own driveway, or when a property manager rejects your certificate because the wrong box is checked.
This site fills that gap in one specific way: it reads the published forms and the government sources, reports what they say, records the date it read them, and is explicit about what the coverage does not do.
What this site does not do
- It does not sell insurance. It is not an agency, a broker, or a carrier, and it holds no producer license.
- It does not quote. There is no calculator, no rate estimator, and no form that returns a price. Pricing lives on the carrier's own site.
- It does not rank or recommend. No star ratings, no top picks, no “best for your business.” Pages describe published differences and the reader decides.
- It does not review anyone's individual situation. See the note below.
Questions about your own coverage
We publish general educational content and cannot review anyone's specific situation or policy. For questions about your own coverage, talk to a licensed agent or broker in your state, or contact your carrier directly.
This applies without exception, including to questions that look simple. The line between explaining how a standard form is worded and advising a particular person about a particular policy is the line that separates a publisher from a licensed producer, and this site stays on the publishing side of it.
Corrections
If something here is wrong, it gets fixed and the change gets noted. The full policy, including how sources are chosen and how often pages are re-verified, is on the editorial policy page. How each figure is verified is on methodology, and the business model is spelled out on how we make money.
Contact
A published contact address is being set up and will appear here once it exists. Until then there is no contact channel on this site, which is stated plainly rather than presented as a form that goes nowhere.