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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
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
Winery Risk Insights
Owning a winery can present a variety of often overlooked risks that pose serious threats to your business if they