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Are Office Contents Covered When You Take Them Offsite?

Are Office Contents Covered When You Take Them Offsite

What happens when you take your insured building’s contents offsite? Are your office contents covered if you are moving them around? Generally, a commercial property insurance policy is intended to insure a company’s building and its contents, usually within a specified distance from the premises described on the policy. Classified as “business personal property” on […]

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Should You Include Executives in Workers Comp?

Should You Include Executives in Workers Comp

Should you include executives in workers comp coverages? Workers compensation laws differ from state to state, and one of the key differences is whether your company’s officers must be included in your workers compensation insurance. Your type of business entity (S-Corp, LLC, etc.) normally will govern their inclusion or exclusion. When considering if officers would […]

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Data Privacy Laws Are Spreading

Data Privacy Laws Are Spreading

Thanks to the GDPR legislation in the E.U., data privacy laws are spreading like wildfire in the USA. Legislation codifying consumer-data protections and reporting has passed in three states and is under way in 20 others. All 50 states have some requirements for data-breach notification, but the new laws expand consumer rights regarding their data […]

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Oh Crap! – Sewer Backups Can Tank Your Business

Sewer Backups Can Tank Your Business

Water and sewer backups insurance coverage is for damage caused when a drain, sewer, or sump pump fails or backs up into your property. It covers the costs associated with damages to your building and its contents. This coverage is not always automatically included in your policy. Some insurance policies have an exclusion for such […]

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You Can Control Business Auto Costs

Control Business Auto Costs

You can control business auto costs. If you have been stunned by the high cost of commercial auto insurance, you are probably ready to reduce and better control business auto costs and find the best terms available. Two key steps are minimizing distracted driving and collecting and assessing data. One of the biggest distractions while […]

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Stored Off Premises – Covered or Not?

Stored Off Premises – Covered or Not

Once your policy renews, coverage for items stored off premises may no longer apply. Is an overflow of inventory causing a storage crisis on your property? Regardless of the cause, if your business has leased space in a storage unit, you should know how your business insurance will apply to a loss if business property […]

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You Can Insure Against Terrorism Losses

You Can Insure Against Terrorism Losses

Terrorism is a highly-defined action in the insurance world, and its application in insurance policies responds to a federal declaration of terrorism. Such a declaration hasn’t been issued in the United States since 9/11, even though many actions, such as the Boston Marathon bombing in 2013, are commonly referred to as acts of terrorism. Most […]

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Storm Debris Might Not Be Covered

Storm Debris Might Not Be Covered

Let’s examine storm debris on commercial properties. If strong winds cause a tree to fall onto your building, cause structural damage, or leave debris scattered across your premises (some of which is preventing full access to your parking area), will your commercial property policy cover the costs of cleanup? Standard business property insurance includes coverage […]

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Business Events Need Protection

Business Events Need Protection

Let’s look at Business Events. Are you covered for hosting an event at your business? Is your business planning to host an event for colleagues and/or employees this year? If so, make sure this nice idea isn’t spoiled by an expensive insurance claim. There are a few questions to consider. Will your event involve the […]

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Data Breach Law – At Home and Beyond

data breach insurance

Let’s look at how data breach insurance can help businesses. Do you know where your customers are? If they are in any of the 50 states, the District of Columbia, Guam, Puerto Rico or the Virgin Islands, they are in a jurisdiction that requires some private businesses to notify the government of a security data […]

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