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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 of risk factors, ranging from data loss and power failure to a major natural disaster such as an earthquake, flood, hurricane, or tornado. For a small business especially, even a
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 at Swarts, Manning & Associates wants to make sure that you and your family are protected. If you don’t have an earthquake kit, we recommend you check out this list
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 gets colder, and beyond a little of the chill we experience comes more turbulent weather. While most of the west coast – California and Nevada – don’t see a huge
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 to be protected. Many doctors see patients year in and year out without incident, but it takes one mistake or mishap to bring an entire medical practice down. While some
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 in which you are (and are not!) covered. Among the many details we translate for our clients, we’re often asked about the Omnibus Clause in their commercial auto policy, so
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 false advertising? The recent lawsuit filed against Church & Dwight Co., Inc – the manufacturer of OxiClean™ – has many business owners asking that exact question. On September 3, 2019,
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? Nonprofits face many of the same risks as for-profit organizations, so it’s important to ensure you’re fully protected before accepting a board position. 6 Key Considerations for Joining a Nonprofit
4 Errors & Omissions Insurance Risks for Tech Companies and Consultants
As a technology company or consultant, you know there’s always the chance that a client will claim you’re at fault if they don’t get the results they desire from your work – even if you’ve done everything right. That’s why comprehensive errors & omissions (E&O) insurance is so important for
The Private Client Group: A VIP Invitation for Protecting Your Personal Assets
Hard work and professional success may have awarded you the resources to explore your true passions, but unfortunately it doesn’t shield you from risk. It’s important that your assets are fully protected against the uncertainties of life – and that your insurance team is working hard to ease the burden
What is Builders Risk?
Builders risk insurance is a type of insurance coverage that protects construction projects and the materials being used in those
Is it Mandatory to Have Insurance as a Gaming Business?
The United States is one of the leaders in the global gaming industry. Nevada is at the heart of this
3 Reasons Big Businesses Need General Liability Insurance
General liability insurance protects your business from property damage and bodily injury. Although many big businesses know it’s important to
What Types of Insurance Should a Restaurant Have?
Las Vegas is quickly turning into one of the foodie capitals of the world. The Strip has been popularized by
Which Weather Events Does My School’s Insurance Cover?
As an education institution, your insurance policy needs to protect a variety of things. Your main concerns may be more
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