Many companies take advantage of the convenience and expertise of independent contractors, but benefiting from workers who aren’t on your payroll comes with risks. Those... Continue reading→

Many people think that their personal insurance coverage will cover their home-based business. It does not. Continued advances in technology make it easier for business... Continue reading→

Often considered the unofficial kick-off to summer, Memorial Day weekend includes lots of celebrations featuring cookouts and barbeques. But it also means the increased risk... Continue reading→

Businesses that have an over-the-road exposure should take control of their fleet program. A dedicated fleet supervisor can help employees understand what is expected of... Continue reading→

Do you have adult children living at home? Are you concerned that they may not be respecting your rules and personal space? Our friends at... Continue reading→

Yes. Nonprofits need insurance. It is important that nonprofits do a thorough evaluation of their insurance needs, because precious funds can be lost if they... Continue reading→

The business owners policy (BOP) may be one of the insurance industry’s most versatile insurance policies and just the right protection for your small business.... Continue reading→

Winter typically brings its own hazards to businesses. Reducing the chance of slips and falls accidents should keep your liability losses down and improve your... Continue reading→

No. As a small-business owner, you undoubtedly receive advertising offering the “ease” of buying insurance online and promising lower rates. Literally thousands of insurers today... Continue reading→

When employees are injured at work, promptly reporting accidents to your workers compensation carrier is imperative. Even if you don’t think an incident occurred as... Continue reading→

Business owners need protection against a broad swath of liability claims. General liability (GL) insurance offers just that. Here are some examples of coverage you... Continue reading→

Employment practices liability insurance (EPLI) helps pay for legal defense and claims payments related to sexual harassment, wrongful termination, and discrimination. Some insurers also offer... Continue reading→

The risk of flooding to your building may be far greater than you think. Flood maps are outdated, conditions that increase flood damage may now... Continue reading→

You can look at employee emails or any email on your own systems or servers. With electronic communications now serving a predominant role in business... Continue reading→

Are you being asked to include subrogation waivers in a contract with a job partner, service provider or contractor? These waivers are common nowadays, but... Continue reading→

If you have a property loss, you might be surprised when your insurer asks you to handle the claim’s adjustment. It is increasingly common for... Continue reading→

Got an expensive sign outside your business? While business owners policies and commercial property policies provide some coverage for signage, it’s usually for signs that... Continue reading→

Snow removal companies need to have proper coverages in place. Poor coverage for snow removal businesses can cost you. When you’re plowing snow, the last... Continue reading→

You went online and found a clever image, video or copyrighted text that works perfectly with your business’s new marketing campaign. Can you simply start... Continue reading→

Have you had a recent property valuation? Material costs are rising and your property coverage needs to keep up with inflation and inflation is at... Continue reading→

  Crisis response coverage is a little known coverage that could help get your business back on traffic after a tragedy. With all the violence... Continue reading→

Here are some tips to help prevent weather damage to your properties. Inspect your building for cracks and seal above-grade exposures. Water seepage can cause... Continue reading→

Commercial auto rates continue to climb. Although accidents decreased substantially in 2020 due to the COVID-19 work-from-home trend, fatalities climbed in 2020 compared to 2019.... Continue reading→