BLOG
BLOG
Is Your Coverage Enough? Commercial Umbrella Liability & Excess Liability
Every business owner should ask themselves these two questions annually: Primary insurance policies can be maxed out during major claims, leaving your business responsible for remaining costs. This is where commercial umbrella liability or excess liability insurance can provide additional protection. Commercial Umbrella Liability vs. Excess Liability Insurance Though often
Surety Bonds 101: Sorting Through the Confusion
Surety bonds are one of the most misunderstood products in the industry. Unlike traditional insurance, surety bonds operate in specific circumstances and involve a unique three-party agreement. Whether you need to explain surety bonds to a vendor or are seeking coverage for the first time, this guide will help clarify
What’s Your Risk? 1099 Workers & General Liability Insurance
Do you know if your 1099 contractors or subcontractors are increasing your risk exposure? Are their actions covered by your general liability or professional liability insurance policies? In today’s gig economy, “independent contractors” play a significant role in the workforce. According to a January 2018 NPR/Marist Poll, one in five
5 Strategies for Minimizing the Risk of a Product Liability Claim
Nearly every manufacturing company will face a product liability claim at some point. Whether or not you’re found at fault, the financial burden of investigating and defending a claim can be significant. With careful planning and reliable product liability insurance, your business will be better equipped to respond, react, and
An Industry-by-Industry Guide to Professional Liability Insurance
From architects to tech consultants, businesses providing professional services face risks that aren’t covered by Commercial General Liability (CGL) insurance. Professional liability insurance, also known as errors and omissions (E&O) insurance, fills this gap by protecting against claims of negligence, misrepresentation, or failure to perform professional duties. Who Needs Professional
How the “Remote Employee” Impacts Your Workers’ Compensation Coverage
With telecommuting becoming increasingly common, businesses are leveraging this flexibility to build top-performing teams by removing geographical limitations and expanding their talent pools. In 2016, 43% of workers telecommuted, and that number continues to rise. But what does this trend mean for your workers’ compensation coverage? As more employees work
The National Impact of the California Consumer Privacy Act | Cyber Liability Insurance Edition
In the past year, a new digital security baseline has been established, complicating compliance and making it more critical than ever. But how does it affect your business? The answer is: very likely. As regulations evolve, every boardroom and strategic planning session should include discussions about risk, responsibility, and cyber
How to Protect Your Business Income from Shutdowns
As the federal government shutdown continues, many of us in the private sector carry on with business as usual. But what if a shutdown doesn’t just impact the government? What if it’s your business and employees who are affected? If your business experiences a temporary suspension of operations, are you
Restaurant & Bar Entertainment That Can Lead to Lawsuits
As a restaurant or bar owner, your skills in handling diverse situations are unmatched. Whether you’re dealing with fake IDs, managing rowdy patrons, or celebrating birthdays with guests, no two nights are the same—and that’s what makes it exciting! The Importance of Innovation Daily specials like “Taco Tuesday” are great
Earthquake Insurance: Protecting Your Property
If you live in Southern California, you’ve no doubt grown up understanding that you live in earthquake country. The team
Weathering the Storm: Why You Should Have Flood Insurance
As we round out 2019 and head towards the early part of 2020, we know the seasons are changing; it
Medical Malpractice: Protecting Yourself and Your Practice
Medical malpractice is something doctors don’t want to think about, but in the event that something goes wrong, they have
What’s the Omnibus Clause in Our Commercial Auto Policy?
Insurance policies are filled with legal jargon and complicated wording, but those details are often essential for understanding the ways
OxiClean Lawsuit Highlights Big Questions About Advertising Injury Coverage
Does the advertising injury coverage that’s often included in a commercial general liability policy protect policyholders from damages stemming from
Sitting on the Board: 6 Considerations Before Joining a Nonprofit Board
Serving on a nonprofit board is an honor, but did you know it could also expose you to personal liability?