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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
How to Strategically Shop for Multiple Insurance Quotes
You may have worked with the same agent for years but are curious about other options that could save you money, improve coverage, or offer value-added services. Or perhaps you’ve tried getting quotes from multiple brokers in the past but found the process frustrating. Managing this process strategically is key
Insurance for Startups: 4 Tips for Startup Business Owners
Business is highly risky and unpredictable if you’re a startup business owner. Anything could change at any moment, and there’s
5 Common Sense Tips to Avoid Common Liability Claims
Taking precautions to keep your place of business free of accidents and prevent liability claims is common sense, but they
California Wildfires Remind People to Check Their Insurance Coverage
In another year of warmer climates and dry conditions, California saw more wildfires across Northern and Southern California that claimed
Business Interruption Insurance: What Happens When You Can’t Do Business?
Your business needs to make profits if you’re going to keep your lights on, stay current on your bills, and
3 Reasons Why You Need a Business Continuity Plan
When you own and run your own business, the survival of your company depends on fending off a whole host
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