Trees are a beautiful addition to any home and can add value to your property. However, trees can also be troublesome if they aren’t properly maintained. Besides being unsightly, dead or decaying trees pose a safety hazard that can leave you liable for damages caused. It’s important to understand what is covered by a homeowner’s insurance policy if a tree should fall on your property or a … [Read more...]
Employment Practices Liability Insurance: Consider it today!
As the headlines continue and insurance carriers continue to pay out, Employment Practices Liability Insurance, (or EPLI), has become an issue to many companies, regardless of their size. Many companies are considering EPLI to cover executives who harass employees, or employees who harass other employees. This is not only an issue with large firms but can be an issue with small, local … [Read more...]
Thinking of driving for Uber/Lyft? Here’s what you need to know!
As Uber and Lyft have grown in popularity, insurance companies have made efforts to meet the demands from drivers for coverage. You might be thinking that your standard auto policy is enough to cover you should you decide to become a driver; however, this is not the case. More often than not, you will need additional coverage known as rideshare insurance. This insurance helps over personal use and … [Read more...]
Errors & Omissions Insurance and why you might need it!
Errors and omissions insurance (E&O) is a type of professional liability insurance that guards and protects companies and their workers or individuals against claims made by clients for inadequate work or negligent actions. Errors and omissions insurance often cover both court costs and any settlements up to the amount specified by the insurance contract. So who exactly needs E&O … [Read more...]
What you should know about Workers’ Compensation
Workers’ Compensation is a state-regulated insurance program that helps people with work-related injuries and illnesses. Under this coverage, eligible employees receive compensation and medical care to treat their injuries and illnesses. Depending on the severity of the injury itself, workers’ compensation might also provide: Payments to replace some of an injured … [Read more...]
The Ins and Outs of Crime Insurance
Crime Insurance, it's another type of insurance not widely known to the public. Despite it's relatively unknown state, it's an important insurance to acquire when trying to mitigate risk. Fidelity & Crime insurance addresses the most common threats to organizations, including losses due to employee dishonesty, credit card forgery, computer fraud and theft, and the disappearance or … [Read more...]
Insuring Vehicles for Your Business
Do You Have Sufficient Auto Insurance Coverage? One of the biggest mistakes that business owners make is assuming that their personal auto insurance covers their vehicles. If you have cars or trucks that you use for your business, you need a commercial auto insurance policy. Who is driving your vehicles? When you have multiple employees driving your vehicles, you need to switch coverage from … [Read more...]
Insurance for Business Owners: Are You Prepared for the Unexpected?
As a business owner, there are things that you plan for in the normal course of business operations. However, a disaster is not something that you ever truly expect. These unexpected events can leave your business devastated if you are not financially prepared. Part of disaster preparation includes making sure your business assets are properly insured against disasters through insurance for … [Read more...]
How to Ensure You’re Protected on Your Next Catering Gig
When you're in the food and beverage industry, catering is a great way to make money. Whether you cater a birthday party, a wedding, or any other special event, you choose to bring the food to the people instead of the other way around. Inside your own commercial kitchen, you're protected with your business insurance. What about when you leave your property and go to someone else's? Finding … [Read more...]
3 Types of Insurance Every Small Business Owner Should Consider
Owning a business is a rewarding experience. Being self-employed means that you don’t have to be tied to the standard 9-5, you are in control of your career, and your ability for growth is endless. In 2017, more people are starting their own business as they want to feel that sense of autonomy. However, as new business owners get excited about seeing their business flourish, it becomes easy to … [Read more...]
