There are four types of insurance that most small businesses purchase. The first is property insurance. This type of coverage provides compensation if business property is damaged, stolen or lost. In addition to covering the physical business structure, property insurance covers personal property. This includes inventory, office furnishings, raw materials, computers, machinery and other items…Read more
Are your Workers Employees or Independent Contractors?
Before classifying a worker as an independent contractor, it is important for a business owner to do his or her homework carefully. Employment laws today are very strict, so discuss any concerns with an agent. The United States Department of Labor and the Internal Revenue Service have combined their efforts to help various states share…Read more
How to Prepare for a Workers’ Compensation Audit
Just the mention of a workers’ compensation audit causes fear to some. If you are scheduled for a workers’ compensation audit, there is no need to dread it or be fearful. A small amount of preparation and common sense can save you a lot of aggravation and money. Devoting a few hours of your attention…Read more
Insurance for Tattoo & Body Piercing Parlors
Richmond, Virginia loves ink! Richmond has the 3rd most tattooed residents in the U.S. next to only Las Vegas and Miami. The last thing on most people’s mind when selecting a tattoo is insurance but before applying permanent ink, make sure the tattoo parlor and artist have insurance. Insurance Coverage General Liability Professional Liability Property…Read more
Does Homeowners Insurance Cover Water Damage?
What does my homeowners insurance cover? Water is known for penetrating structural cavities and creating growing pockets of saturation without the knowledge of the homeowner. Unfortunately, it often requires sophisticated tools and technology to find the source of such water damage. If the moisture remains undetected, it causes damages that eventually lead to an expensive…Read more
Tips to Winterize Your Home
The chill in the air tells you it’s time to pull out the heavy clothes and brave the falling temperatures. That chill should also tell you it’s time to perform a check of your home to ensure it can withstand the rigors of the upcoming winter. Start with a top down approach by taking a…Read more
Top Apps To Avoid Drunk Driving
Drunk driving incidents claim the lives of up to 25,000 Americans per year, according to statistics from the National Transportation Safety Administration. That should be reason enough to do all you can to prevent yourself and your friends and loved ones from getting behind the wheel, while intoxicated. Even if no one is hurt, getting…Read more
Why Insurance Rates are Increasing
We are often asked why are insurance rates increasing? I didn’t file a claim or get a ticket. Insurance premiums are a function of these factors: The perception of future risks, recent catastrophic claims and the return available on investment. Huge fires and other disasters factor in, such as the Colorado Springs blazes earlier this…Read more
Healthcare Open Enrollment 2017
In the insurance industry, ‘annual enrollment’ refers to the period every year where individuals can sign up for an insurance plan with no discrimination or reduced discrimination against pre-existing conditions, or reduced or non-existent medical underwriting. In some cases, it’s the only time someone can sign up for insurance with a only a few exceptions.…Read more
Cyber Liability Insurance
On April 20, 2011, someone hacked the Sony Playstation Network. They found an opening in the online video gaming network’s password-reset system and penetrated the security protecting its customer database. Days later, the company admitted that the hackers had obtained personal information on 70 million or more subscribers. The hackers got names, physical and email…Read more
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