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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,
Protect Your Practice: Understanding Lawyer Professional Liability
As an attorney, you know first-hand that even meticulous and well-intentioned professionals can be sued by dissatisfied clients. Regardless of whether you work with a large firm or a small practice, it’s essential to maintain lawyer professional liability insurance throughout your career (and potentially extended coverage to protect you after
3 Business Liability Risk Exposures You May Be Overlooking
As a business owner or executive, it’s likely that you’ve taken great care to minimize your business liability risk exposures with comprehensive commercial insurance packages. However, there are several common yet often overlooked scenarios that may be putting you at risk without your knowledge. Consider these three business liability risk
Protect Your Business This Spring with Commercial Flood Insurance
Despite having commercial property insurance as a part of your Business Owners Policy or Commercial Package Policy, your business may have a gap in coverage if you haven’t also added flood insurance to your policy. This is especially dangerous with NOAA’s prediction for increased risk of flooding through the end
Cybersecurity Concerns & Cyber Liability in the Wake of the Toyota Data Breaches
The March 29th announcement from Toyota Motor Corporation–Japan about a potential data breach has reignited concerns about cybersecurity and cyber liability for businesses worldwide. Even massive corporations like Toyota, ranked #6 in Fortune’s Global 500 list, are not immune to cybersecurity threats. Toyota’s press release revealed that five Tokyo-based subsidiaries
Business Owners Policy vs. Commercial Package Policy – One Size Doesn’t Fit All
Commercial insurance can be overwhelming, with a seemingly endless list of risks to address and policy options to choose from. To simplify the process, the insurance industry offers policy bundles like the Business Owners Policy (BOP) and Commercial Package Policy (CPP). While they sound similar, these two options serve different
How Much General Liability Insurance Does Your Business Need?
It’s important for businesses of all sizes to carry general liability; the reality is that many businesses go without the
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