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Equipment Breakdown Insurance Overview
Running a business involves a multitude of risks, but one of the most significant threats is equipment breakdown. Businesses depend on equipment to function properly and maintain a consistent revenue stream, making any breakdown a potentially devastating financial challenge. However, with equipment breakdown insurance, you can protect your business against
CA Cannabis Protection Bill Introduced
California Assembly Member Reggie Jones-Sawyer recently introduced Assembly Bill 1610, aimed at protecting cannabis consumers and the legal cannabis market by improving testing and labeling standards. This bill represents Jones-Sawyer’s effort to maintain the high quality of California cannabis products while ensuring public safety and transparency. A growing concern in
5 Lesser-Known Types of Commercial Insurance Every Business Owner Should Consider
As a business owner, you likely already know the importance of commercial insurance. However, there are many lesser-known types of coverage that you might not be aware of. Here are five types of commercial insurance that every business owner should consider: Cyber Liability Insurance Cyber attacks are becoming increasingly common
Lounge Updates for Cannabis Businesses
Matt Haney recently introduced Assembly Bill 374, which would allow cannabis retailers in California to operate kitchens and host live events at their stores. The bill aims to remove some of the most significant restrictions on cannabis consumption lounges. It would permit dispensaries to serve prepared foods and coffee, as
Welcoming Our Newest Shareholder
We’re thrilled to welcome Dylan Swarts as the newest shareholder to our business. Dylan recently returned to Swarts Manning after receiving his MBA from BYU. His experience and expertise will help us grow and innovate as we continue to strive toward our goals. We look forward to this exciting new
Insurance Requirements for Contractors and Construction Companies
As a contractor or construction company, understanding the necessary insurance requirements is crucial to protect your business from potential liabilities. Here are some of the key insurance policies contractors and construction companies typically need: General Liability Insurance This policy covers damages and injuries to third parties, including clients, customers, vendors,
Property Coverage Basics
As a spirits industry professional, your business is built on a foundation of hard work, passion, and dedication. However, unforeseen events like fires, natural disasters, or other calamities can strike at any moment and cause significant financial loss. That is where property coverage comes into play. Property coverage is an
The Benefits of Umbrella Insurance
Umbrella insurance is a type of liability insurance that provides additional coverage beyond the limits of your standard insurance policies. While it’s not a requirement, having umbrella insurance can offer added protection for your business and peace of mind for you and your employees. Here are just a few of
Top Misconceptions About Commercial Insurance and How to Avoid Them
Commercial insurance is a crucial aspect of running a business, yet many entrepreneurs and business owners have misconceptions about what it covers and how it works. Clearing up these misconceptions can help you make more informed decisions about your insurance coverage and better protect your business. “Commercial insurance covers everything.”
Employee or Independent Contractor? Understanding the January 9, 2024 DOL Rule and How it Impacts Your Business’ Insurance Needs
On January 9, 2024, the Department of Labor (DOL) introduced a rule designed to clarify the distinction between employees and
Mom!! Why Have My Commercial Auto Rates Increased So Much?
What is it about human nature that makes us feel better when we understand why something has gone wrong? From
Large Construction Projects: OCIP or CCIP?
For owners of large construction projects, deciding between an Owner Controlled Insurance Program (OCIP) and a Contractor Controlled Insurance Program
The Growing Importance of Cybersecurity and Cyber Liability Insurance: A Look at MGM’s Incident
In today’s digital landscape, cyber-attacks are becoming more frequent and sophisticated, prompting businesses to elevate their cybersecurity efforts and consider
Protective Safeguards in Commercial Property Insurance: A Guide for Insureds
Commercial property insurance is an essential safeguard for businesses, protecting assets and ensuring continuity in the face of unexpected disasters.
Liquor Liability for Tasting Rooms
At Swarts Manning Spirits, we specialize in providing commercial insurance expertise and risk mitigation for the winery, brewery, and distillery