Oleg Kachko

Owner & Editor at Business Insure Guide

Guttenberg, NJ · Baruch College Graduate

About Me

I’m a digital publisher and small business owner based in Guttenberg, New Jersey. After graduating from Baruch College, I spent the last three years building KartiKart.com, a minimalist jewelry brand that donates 5% of every sale to fighting human trafficking.

Along the way, I discovered a passion for building niche information sites that help people navigate topics that are often confusing, full of jargon, or buried behind paywalls. That passion turned into a growing network of free resource sites — each focused on a specific topic where I felt everyday people deserved better, more transparent information.

My approach is simple: research deeply, present clearly, and never charge for information that should be freely accessible.

Building Business Insure Guide

I started Business Insure Guide because almost every small-business owner asks the same questions when they realize they need insurance – what do I actually need, how much does it cost, and is it required where I am – and there was no neutral place that answered them with real numbers instead of a quote form. When you start an LLC, hire your first employee, or get a client demanding a certificate of insurance, you want a straight answer, not a funnel. The only options online were carrier quote pages, marketplaces built to sell your lead, and thin agency blogs with no actual figures. I built this site to be the owner-first authority on business insurance: every trade gets a guide with the coverages it needs and the real median cost of each, every coverage type explained in plain English, and every state covered for workers’-comp and business-insurance requirements with the exact thresholds, penalties, and minimums – plus free tools to estimate your cost, check your state’s workers’-comp rule, and figure out which coverages you need. If you’re deciding what to buy and want to know what you actually need before you ever talk to a salesperson, this is the resource I wish existed.