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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 coverage, leaving them vulnerable to paying for costly legal and medical expenses—and much more. It’s important to know what general liability insurance covers and how much you will need to
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
The Hidden Fire Risk in Your Home: Lithium-Ion Batteries and How to Protect Your Property
Lithium-ion batteries power nearly every rechargeable device in a modern home. Phones, laptops, cordless tools, e-bikes, e-scooters, robotic vacuums, electric
Roof Maintenance: Protect Your Property and Your Investment
Your roof protects nearly every major component of your property, which means a small roofing problem can quickly turn into
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
