Workers’ compensation insurance can be a large cost center for a business, and if your employees are regularly injured on the job those costs can quickly become a financial burden, even in this period of low rates. Companies in industries with high rates of workplace injuries are especially vulnerable, particularly if an employee suffers permanently…Read more
10 Ways to Reduce Your Homeowner’s Premium
Homeowner’s insurance premiums are increasing at an alarming rate. You may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do. But there are a number of strategies you can use to chip away at…Read more
Your Homeowner’s Insurance Won’t Cover Work Under Construction
Many homeowners who are renovating their homes, or building a new one, make the expensive mistake of not securing additional coverage during the construction phase. A fire may destroy your materials and equipment, or thieves clean you out in the dead of night. When you call your homeowner’s insurer, you find out it doesn’t cover…Read more
Employees Driving on the Job in Own Cars are Your Liability
Many business owners don’t think twice when asking a worker to run to the office supply store, to the bank, or to run another errand for the company while on the clock. But as soon as that employee enters their personal vehicle on a trip for your business, you automatically become vicariously liable for their…Read more
Who Is Liable When a Tree Falls onto a Neighbor’s Property?
Many people have trees on their property. They provide shade and complement landscaping nicely, but they can also cause major disputes when they fall over. A tree may topple over if it is not properly maintained, it’s diseased or a storm knocks it down. When a tree falls over onto a neighbor’s property, a homeowner…Read more
Why Businesses Need Professional Liability Insurance
Architects, engineering firms, graphic design businesses, and other service providers are increasingly being sued for alleged poor work quality, contract breach, or missing deadlines — and jury awards are rising. The costs of defending against a lawsuit of that type could quickly mount, even if you come out victorious in the end. But a commercial…Read more
Directors and Officers Insurance Vital for Nonprofit Organizations
Nonprofits usually have a certain demographic that they serve. Often the allure of a nonprofit organization is that it attracts like-minded individuals that have a passion for the cause that the nonprofit works on. And the most passionate of these individuals often become board members. At that point, they also enter a world of new…Read more
Small Firms Increasingly Need Directors and Officers Insurance
While directors and officers liability has been traditionally thought of as insurance for publicly traded companies, increasingly it’s smaller companies that account for the largest share of exposure among top decision-makers. A study published by the news website Advisen found that over the past 10 years, small businesses accounted for 70% of all D&O insurance…Read more
Top 10 Reasons You Need Cyber Insurance
With reports of cyber criminals increasingly focusing on smaller companies for targeted attacks, now more than ever businesses that store sensitive data need to consider how they protect their information systems. And while you can install firewalls and take other precautionary measures, should an attack occur, you will be left facing untold costs and possible…Read more
Why You Need Umbrella Insurance
Umbrella insurance provides protection beyond standard coverage, and they are available in increments of a million dollars. Sometimes known as an excess liability or personal liability insurance, umbrella insurance doesn’t stand alone. Instead, it adds another layer of liability protection on top of the liability built into other policies you have, including auto, homeowner’s, or…Read more
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