Accidents happen. No one intends for them to happen, but when they do its best you and your business are prepared and protected. General liability business insurance costs can be daunting, but with the right plan, your business can be protected from the inevitable. Lack of Insurance Small businesses are historically under insured. In a […]
Equip Your Business With The Right Coverage
In your small business, there are many factors that keep the ship sailing smoothly. To keep your company up and running, you need to protect your people and products. Often, when we think about small business coverage, our first thought is our people, but what about our tools and equipment? Business equipment insurance is something […]
Business Liability Costs: What should you consider when choosing a policy?
Why do businesses need business liability insurance? It is a question we get all the time. Many small businesses don’t realize just how important being properly insured is until disaster strikes. But what about the costs? Let us look at some trends affecting small business liability insurance costs today. Most business liability costs are determined […]
Confused About Business Insurance Companies? Here’s How to Find the Right One
Imagine this: you’ve poured your heart and soul into building your dream business. But what if unforeseen events threaten to derail everything you’ve worked so hard for? That’s where business insurance comes in. It’s a safety net that protects your small business from financial disasters. But with so many options, sifting through business insurance companies can […]
Business Insurance Claims Obligations for Small Business Owners
Running a small business involves a variety of decisions – from inventory management and interior design choices to hiring considerations and bidding strategies. Amidst these daily choices, there’s one critical area that should not be overlooked: understanding your insurance obligations. Whether you’re a seasoned entrepreneur or just starting, being aware of the impact that your […]
Professional Liability Insurance Explained
Are you a consultant trying to figure out if you need professional liability insurance? If so, you’re not alone. It’s not always easy to determine what insurance type will cover what risks. Professional liability insurance covers liability for damages arising from the rendering of or failure to render professional services. Professional liability insurance allows you to […]
Insurance Considerations When Renting Your Business Space
Once you decide to start your own small business, your first step is likely to decide where you want to operate your business from. You may decide to conduct business out of your home, purchase a building of your own, or lease building space from someone else. Read on to learn more about what you need […]
What is Independent Contractor Insurance?
Contractors are inherently exposed to more risks than you would be as an employee. Without adequate Independent Contractor insurance, mistakes, disasters, and lawsuits could leave you bankrupt and out of business, bringing an end to your livelihood. 1099 contractors are self-employed, which comes with all the benefits and downsides of self-employment. Though you’re free to […]
Get to Know Your Business Insurance Certificate
As a freelancer, you probably get asked for a Certificate of Insurance all the time. But you’re likely wondering, “what is a business insurance certificate and why do I need it?” This article will tell you everything you need to know about Certificates of Insurance. What is a business insurance certificate? A Certificate of Insurance […]
What is Coinsurance and how does it affect my business property insurance?
If you’ve ever purchased a homeowners policy or commercial property policy, then you’ve likely had a policy that contained a coinsurance clause. But what exactly is “coinsurance” and how does it affect you? You likely already know that Business property insurance helps your business bounce back from disaster after a covered event, but it’s only […]
How Do Small Business Insurance Services Work?
Insurance is a method of sharing risk, in which each member of a group pays a small amount of money each month or year in return for protection from larger and unexpected financial perils. But how do small business insurance and in turn, business insurance services work? Small business insurance services are similar to other […]
When to Consider Damage to Premises Rented to You
If you rent the space in which you conduct your business, you’ll likely want to consider damage to premises rented to you coverage. This coverage protects the rented space in the case of a covered incident. What is damage to premises rented to you and what does it cover? Typically found in general liability policies, […]
