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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
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,
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
