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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 a whole host of risks your company may be exposed to. Because a lawsuit could mean the end of your business, make it a priority to get the right insurance
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 include a lot of minor details that businesses can easily overlook. If you work hard to keep safety at the forefront, you can avoid most accidents that could potentially happen
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 lives, homes, and tens of thousands of acres of brush. Swarts, Manning & Associates offers homeowners insurance policies that cover fire damage. News reports indicate that some insurance companies have
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 pay your employees – that’s not a novel concept by any means. But what happens when you’re faced with an unexpected circumstance that stops your business operations in its tracks?
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
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.
Property Coverage Basics
As a spirits industry professional, your business is built on a foundation of hard work, passion, and dedication. However, unforeseen
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.
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
Cyber Liability Checklist
Hackers are thriving in our digitally-reliant workforce, causing a flurry of cybersecurity concerns for businesses nationwide. Ransomware attacks have been
The Risks of Being Underinsured in Your Business
First Rule of Sound Risk Management: Don’t Risk a Lot to Save a Little Being underinsured is a common issue