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How the “Remote Employee” Impacts Your Workers’ Compensation Coverage
With telecommuting becoming increasingly common, businesses are leveraging this flexibility to build top-performing teams by removing geographical limitations and expanding their talent pools. In 2016, 43% of workers telecommuted, and that number continues to rise. But what does this trend mean for your workers’ compensation coverage? As more employees work
The National Impact of the California Consumer Privacy Act | Cyber Liability Insurance Edition
In the past year, a new digital security baseline has been established, complicating compliance and making it more critical than ever. But how does it affect your business? The answer is: very likely. As regulations evolve, every boardroom and strategic planning session should include discussions about risk, responsibility, and cyber
How to Protect Your Business Income from Shutdowns
As the federal government shutdown continues, many of us in the private sector carry on with business as usual. But what if a shutdown doesn’t just impact the government? What if it’s your business and employees who are affected? If your business experiences a temporary suspension of operations, are you
Restaurant & Bar Entertainment That Can Lead to Lawsuits
As a restaurant or bar owner, your skills in handling diverse situations are unmatched. Whether you’re dealing with fake IDs, managing rowdy patrons, or celebrating birthdays with guests, no two nights are the same—and that’s what makes it exciting! The Importance of Innovation Daily specials like “Taco Tuesday” are great
How to Strategically Shop for Multiple Insurance Quotes
You may have worked with the same agent for years but are curious about other options that could save you money, improve coverage, or offer value-added services. Or perhaps you’ve tried getting quotes from multiple brokers in the past but found the process frustrating. Managing this process strategically is key
5 Ways Your Insurance Changes When Your Revenue Skyrockets
Is 2019 shaping up to be a more profitable year for your company? Congratulations! Reaching new revenue milestones, especially the $1 million mark, often brings shifts in how your business is insured. As your revenue grows, your business becomes a larger target for insurance claims, and it’s important to adjust
Four Assets That Need an Annual Insurance Review
As a business owner, it’s important to monitor your insurance policies to ensure you have adequate coverage in the event of a loss. This is especially true if you have large assets that are at risk during your business operations. The insurance design specialists at Swarts Manning & Associates can’t
Changing Commercial Insurance: Should I Shop for Other Options?
This is a common question for business owners who want the best value and protection. The commercial insurance market can be complex, making it difficult to know how to navigate the shopping process effectively. No One Enjoys Shopping for Insurance Unlike buying office supplies or internet services, soliciting insurance quotes
Cannabis Industry Employment is Budding: Attracting and Retaining High-Level Employees
The cannabis industry is expanding rapidly, with national employment growing by 690% between January 2017 and August 2018. With a projected growth rate of 220% in 2019, cannabis companies are at the forefront of an economic wave that demands attention. As employment opportunities rise, competition for skilled employees will intensify,
How California’s New Wildfire Risk Scoring Is Reshaping Commercial Property Insurance
How is California’s changing wildfire risk scoring affecting commercial property insurance? In many cases, carriers are looking more closely at
Should Your CPA and Insurance Broker Work Together? Why It Matters for Business Owners
Most business owners assume their advisors are aligned, but in reality, your CPA and your insurance broker are usually working
Why a Bigger Broker Doesn’t Mean a Better Price
If you’ve ever shopped for commercial insurance, you’ve probably heard the pitch from a large national brokerage: “We place billions of
Captive Insurance Explained: When It’s Time to Take Control of Your Risk
Many companies are already paying for their own losses. Large deductibles, rising premiums, and unpredictable renewals often mean businesses are
Celebrating a Legacy of Partnership and Rising Talent at UNLV
At Swarts Manning, we are proud to mark a meaningful milestone in our ongoing relationship with the University of Nevada,
Why AI Is Changing the Cyber Insurance Conversation
If you’ve been watching the AI space this month, you may have caught headlines about something called Claude Mythos, a
