Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time. Employment Practices Liability Insurance (EPLI) can help protect your business. In fact, such employment practices claims are widespread – so much so that most businesses are much more likely to have an employment…Read more
Professional Liability Insurance
People often think of professional liability insurance (aka..E&O Insurance) as something only doctors and lawyers need. The truth is that anyone in any profession can be sued for making bad decisions. Standard business general liability insurance policies do not cover liability for professional mistakes. They will not cover errors that cost someone else money without…Read more
Does Insurance Cover Business Disruption due to Dorian?
What happens if your business suffers property damage or a supply chain disruption and is forced to stop operations either fully or partially? Will your insurance cover the work stoppage or slowdown? It is important to understand how your insurance can protect you from the resulting financial loss. In addition to potential recovery for property…Read more
What is a Certificate of Insurance?
When stores lease real estate spaces or construction firms win jobs, the party on the other end usually has a very specific set of requirements. One of the main requirements is that the tenant, contractor or borrower show proof that he or she has adequate insurance. Copies of insurance documents may be sufficient. But, not…Read more
Review Insurance When Having a Baby
Expecting a baby is one of the most joyous experiences in life. As you prepare your nursery, don’t forget to talk to your insurance agent to make sure your coverage reflects the change in your growing family. Below are a few pointers. Health insurance Before your baby is even born, review your coverage and make sure you…Read more
Insurance Costs for a DUI
More than 10,000 people die every year in car accidents that involve at least one driver who is under the influence of alcohol or narcotics. And while the number of accidents involving alcohol is in the tens of thousands, about 1.5 million people are arrested annually for driving under the influence, according to the National…Read more
Annual Insurance Review is Crucial to Your Growing Business
One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities. An annual insurance review is crucial to an expanding business. Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you…Read more
What is Gap Insurance?
It’s the nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely mangling most of the front end and irreparably damaging the frame – essentially totaling the vehicle. Luckily nobody was injured, but will insurance…Read more
Why Contractors Need Pollution Insurance
Many contractors that produce some type of pollutant throughout the course of daily business operations don’t know they are doing so. Others know they are producing pollutants and have processes and safeguards in place to reduce their release into the environment. A business can be held liable for some very costly damages when these byproducts…Read more
Business Growth Will Lead to Increased Risk
As the economy continues expanding, companies need to be careful about properly managing their risk, according to a report by Advisen Inc., an insurance research and data firm. Increased activity typically means proportionally additional losses. For example, more trucks driving more miles will inevitably result in more accidents. However, there are other kinds of risk…Read more
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