BLOG
BLOG
4 Steps for Lowering Your Risk of Workers’ Compensation Claims
It’s true that your workers’ compensation insurance and business owners policy (BOP) are designed to protect you in the event that an employee gets injured on your property, but did you know that each time a claim is made against your insurance, your premiums are likely to rise? That’s especially
What’s Your Risk? The Realities of Business Earthquake Coverage
The powerful 6.4 and 7.1 magnitude earthquakes that rocked Southern California on July 4th and 5th have many business owners questioning whether they would be covered if their business was damaged during an earthquake. Unfortunately, business earthquake coverage isn’t included in your commercial property insurance or business owners policy –
Inland Marine Insurance: The Coverage You May Not Realize You Need!
The unfortunate name of inland marine insurance has made it so many business owners and executives don’t even consider this incredibly important type of coverage. If your company regularly conducts work “off-site,” ships products and/or goods, moves high-value assets to various locations, or takes responsibility for clients’ property – then
4 Questions You Should Ask When Buying Builders Risk Insurance
If you’re a general contractor or developer, it’s likely that you’re already familiar with the term builders risk insurance – but, if you’re like most, you may have many unanswered questions about what it is, what it covers, and why it’s so important. Simply put, builders risk insurance (aka course
Public Entity & Government Ransomware Attacks: The High Risk for Low-Tech Operations
Despite the low-tech nature of many public entities and local agencies, government ransomware attacks are a very real risk (with very costly consequences). Is there a gap in your organization’s cybersecurity preparedness? There’s no doubt that cybersecurity is a growing concern for leaders in both the public and private sectors
Is That Employee Covered? Business Auto Policy Coverage 101
Whether you have a single company vehicle or an entire fleet, you likely recognize the need to have a Business Auto Policy (BAP) added to your Business Owners Policy or Commercial Package Policy. However – like in many insurance scenarios – not all BAPs give you the same amount of
Surviving the Unthinkable with Business Continuity Planning
From severe flooding to cyber-attacks to product liability lawsuits, businesses face endless risk exposures. Many owners and executives rely on a Business Owners Policy (BOP) or Commercial Package Policy (CPP), mistakenly believing they’re fully prepared for worst-case scenarios. However, insurance is just one aspect of a comprehensive business continuity plan.
General Liability Insurance: What’s Covered (and What’s Not!)
Accidents happen. Misunderstandings happen. Lawsuits happen. Even the most diligent business owners may, at some point, be faced with an accusation that their company is legally responsible for injuries or property damage. Whether the claim is found to have merit or not, the costly process of mounting a defense can
Are You Covered? It’s Time for a Small Business Insurance Check-Up
Business owners have an overwhelming amount of responsibility to juggle, and it can be easy for some details – like comprehensive small business insurance – to fall through the cracks. Often, insurance policies are purchased when the company is initially founded but then not reevaluated as the company’s needs evolve,
5 Risks to Your Real Estate Portfolio
When you own or rent commercial real estate, you have several risks to take into account that could affect your
5 Easy Ways to Reduce Liability Claims
While no business wants to face a lawsuit, they are commonplace—and expensive. A breach of contract case could cost as
3 Safety and Security Issues Every Hotel and Motel Should Consider
Hotels and motels have had it easier when it comes to stable insurance rates. But with recent news headlines and
How to Manage Fatigue in the Workplace
Fatigue is a normal part of everyday life. But in the workplace, sleep deprivation and fatigue can affect people’s ability
How to Prevent Slips, Trips, and Falls This Winter
During the winter months, there are more slips, trips, and falls due to snow and ice, which means this time
7 Types of Business Insurance Coverage You Shouldn’t Overlook
As a business owner, you never want to have any gaps in your insurance that would leave you vulnerable to