Promotion Winners


Small Businesses: Sole Proprietorship or LLC?

Small Businesses Sole Proprietorship or LLC

Business owners often start up quickly as a sole proprietorship and do not consider the implications from having their personal name associated with the business. If given the choice, wouldn’t you want to separate yourself personally from potential liabilities of your business? A limited liability company (LLC) is one such strategy: an LLC has its […]

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Should I be a Sole Proprietorship or LLC?

Should I be a Sole Proprietorship or LLC

Are you an LLC or a sole proprietorship? Business owners often start up quickly as a sole proprietorship and do not consider the implications from having their personal name associated with the business. If given the choice, wouldn’t you want to separate yourself personally from potential liabilities of your business? A limited liability company (LLC) […]

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Additional Risks from Commercial Lease Agreements

Additional Risks from Commercial Lease Agreements

Be careful when signing commercial lease agreements. Additional risks from commercial lease agreements can arise when your insurance doesn’t cover the exposures you agree to carry in the lease. Commercial lease agreements are a binding contract between the lessor and the lessee. Do you know what you are agreeing to when you sign that lease? […]

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Work From Home Policies Must Include Insurance

Work From Home Policies Must Include Insurance

Does your company word from home policy include insurance? A workers compensation claim can be filed regardless of the location where the injury happens. When an injury occurs, the insurer will want to know what the employee was doing at the time of injury, when the injury happened, and where.If your employees telecommute or work […]

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Businesses Should Take Control of Their Fleet Program

Businesses Should Take Control of Their Fleet Program

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 them when driving a company car.Fleet supervisors not only enforce your business’s policies and procedures, they also develop and oversee ongoing training for company drivers. Don’t assume drivers know it […]

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Helping Injured Employees Return to Work

Helping Injured Employees Return to Work

Let’s look at how to help injured employees return to work. Many employers think they have no control over helping an injured employee return to work after a workers compensation claim. On the contrary—the employer can control much of the situation and ensure that employees return not only to gainful employment, but also to duties […]

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Cyber Insurance Isn’t First Line of Defense

Cyber Insurance Isn’t First Line of Defense

Cyber insurance is not protection for your business. It is simply coverage for losses. Let’s look at some things you can do to protect yourself so that you never need to use your cyber insurance. While not new, cyber risk insurance is still perceived as such by many business owners who fail to understand the […]

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Employees Who Use Personal Vehicles for Work

Employees Who Use Personal Vehicles for Work

Are employees who use personal vehicles for work covered? Let’s dig deeper and look at some scenarios. If your business doesn’t own any automobiles but your employees periodically run errands or do other business using their personal vehicle, you have some special commercial auto considerations. Your employees’ personal auto insurance may cover intermittent use of […]

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Factoring Insurance Into Your Business Costs

Factoring Insurance Into Your Business Costs

Get a quote on all your insurance coverages as part of your new business startup plan. We live in an entrepreneurial age. Many smart people have a great idea for a business, but many businesses must also close their doors within the first year due to unexpected expenses or not generating enough revenue to cover […]

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Will Workers Comp Cover Auto Injuries?

Will Workers Comp Cover Auto Injuries

We have been asked the question: will workers comp cover auto injuries. This is a bit of a loaded question as the circumstances surrounding the auto injury typically determine if the coverage will kick in. There are many gray areas and misconceptions about an employee who becomes injured while driving for work. The main question […]

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