Jessica Martinez
Jessica writes most of the trade guides and cost breakdowns on BizInsuranceCost, the pieces that walk through what a cleaning business, a general contractor, or a marketing agency actually pays for coverage and why. Before writing full time, she worked as a credit analyst, which is where the habit of tracing every number back to its source came from. She holds that a figure without a source is just a rumor wearing a tie.
Her beat across the Encore network covers small business finance and consumer cost questions generally: what things cost, why, and how the pricing actually works underneath the marketing.
Chris Terry
Chris founded BizInsuranceCost and built the calculators from the rate data up: the industry factors, the state adjustments, and the formulas behind every estimator on the site. He signs off on rate updates and is the person who reads the contact form when something looks wrong.
He doesn't byline articles here; his name shows up on the editorial standards page and on rate-methodology notes instead. If a calculator's math needs defending, he's the one defending it.
How to Reach Either One
Corrections, rate questions, and story ideas all go through the same place: the contact form. Messages get read by Chris directly, and anything specific to an article gets routed to Jessica if that's who wrote it.