In most states, drivers are required to carry personal liability auto insurance. This covers your financial responsibility if you injure someone or damage their property while operating your vehicle. But what if the accident is caused by a trailer you are towing? Your personal auto policy may insure your liability for damage or injury to […]
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Americans have long had a love affair with the great outdoors and camping, but campgrounds are no longer just protected natural areas where visitors can stake a tent. Campgrounds are becoming more luxurious, with amenities usually found at a resort, including heated swimming pools, putting greens and clubhouses. Whether your campsite is a traditional, rustic […]
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Setting your cyber liability insurance limits can be tricky if you don’t have a clear idea of what you need. Evaluating your risk exposures and prioritizing your options before you apply can help you get the most out of your coverage. In this article, we’ll unpack insurance application lingo and explain, in plain language, how […]
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You train, you test and you monitor, but it still happens. A busy employee clicks on a link in an email only to realize it’s a scam. What they don’t know is the malware embedded in that link has triggered a series of actions deep inside your company’s systems. Within minutes, every bit of your […]
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Insurance companies transfer individual and business risk for a price. They crunch numbers and calculate risk scenarios to develop pricing strategies that balance profits and payouts. Profits allow insurance companies to manage their cash so it’s available when their customers make claims. An insurance company’s ability to pay its debts and claims makes it stable. […]
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A sole proprietorship is an unincorporated business owned by one person. Anyone can set up a sole proprietorship, making it one of the easiest and fastest ways to form a company. In fact, the Small Business Administration says 87% of firms without employees are sole proprietorships. The advantages of being a sole proprietor are that […]
Read MoreA coinsurance clause in your commercial property insurance policy will penalize you following a loss if you haven’t purchased sufficient insurance. It is important to understand how this works. The below infographic gives you an overview:
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The new year is a time for new beginnings, new ideas and, of course, New Year’s resolutions. Making resolutions may seem like something trivial you do at a New Year’s Eve party. But that is not the case! Each new year is an opportunity for small businesses to assess their strengths and weaknesses, develop strategies […]
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Preparing for an inspection by the Occupational Safety and Health Administration (OSHA) is like preparing for an emergency. You do not want to wait until the event occurs to figure out what to do. This is not to suggest you should initiate drills for an inspection, but you should plan for and periodically address OSHA […]
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Do You Need Employment Practices Liability Insurance? Hiring even one employee exposes your organization to new risks. From ensuring you have workers’ compensation coverage to managing payroll, hiring and benefits, you face a variety of new risks with employees aboard. Coverage to protect you against many employment-related claims is available, known as Employment Practices Liability […]
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