Small business risk is complex. The hassle of being able to find an agent for small business insurance may seem like just another to-do item on your list.   Trying to get insurance coverage for your small business isn’t easy. You might have logged onto a site to get your own quote and then realized, there’s […]

General liability (GL) policies often have a care, custody, or control (CCC) exclusion written into them. In simple terms, this means that if you take possession of someone else’s property and the property is damaged while in your possession, your insurer could deny the damage claim based on the CCC exclusion.  Defining Care, Custody and […]

Every business has unique risks that can seriously harm its operations if not properly addressed. As a business utilizing technology to produce and deliver products or services, it’s important to recognize and take precautions against risks that your commercial general liability (GL) coverage doesn’t include. Professional liability coverage, also referred to as errors and omissions […]

A record 5.2 million people took the leap into small business ownership last year. Like you, each one faced important questions, not only about their products or services, but about how they will manage their risk. Who needs insurance and what kind? Where can you find a policy that fits your needs? And how much […]

Subrogation is a process that insurance carriers use to respond quickly when you, the policyholder, suffer damage caused by someone else. Through subrogation, your insurance carrier steps into your shoes, pays for your damages up front, and then seeks reimbursement of the claim costs from the at-fault party. Problems arise when small business owners sign […]

Running your own business includes a host of responsibilities from everything from operations to HR. It also means learning a lot along the way, including small business insurance shopping. When it comes to choosing the right insurance for your small business, it can be confusing to know where to start. To help you navigate purchasing […]

It’s critical to know if someone you’re hiring would be considered an employee or an independent contractor. Why? This determines responsibility for medical bills or lost wages if they get injured on the job. This is also important when determining what type of insurance coverages you need, whether independent contractor insurance or another policy. Learn […]

Contractors often sign contracts all day long. But this risk transfer can significantly impact liability exposure to loss, increase risks and impact how your insurance policy is paid out in the event of a claim. Understanding total cost of risk, examining and managing risk exposures is one of the keys to the long-term success for […]

Companies can build up a substantial collection of records over their years in operation. While nobody wants to be stuck holding onto documents that have outlived their usefulness, throwing away a document only to find out later that you need it can be a costly mistake. Insurance paperwork is particularly problematic—many businesses are unsure of […]

Shopping for small business insurance can be confusing, tedious, and time-consuming, particularly for new businesses that are not familiar with insurance terminology. The needs and risks of businesses vary much more than personal lines insurance products. In conjunction with our partner, WorkCompOne, we’re sharing the most common small business insurance mistakes. Efforts to cut time […]

You just started your new business venture. You’ve thought of everything…but have you thought about what could go wrong and cost you your livelihood?  As a start-up ourselves, we understand what start-ups need to stay covered. We’ve experienced first-hand how complicated getting insurance is, and knew there had to be a better way.  Insurance is not something to put off as you grow your new […]