Many workers are unclear on the difference between disability insurance coverage and workers compensation insurance. Often, workers will decline optional disability insurance coverage, however badly needed – because they think they are covered under their employer’s workers compensation plan. This is usually a mistake. Workers Compensation is designed to protect both businesses and workers from…Read more
Preparing for a Workers’ Compensation Audit
The mere mention of a workers’ compensation audit is enough to strike fear in nearly any business owner. For anyone who is scheduled for an audit, there is no need to worry or be fearful. With a little bit of common sense and preparation, much money and aggravation can be spared. It is important to…Read more
Cargo Insurance
Cargo insurance provides insurance on the freight or commodity hauled by a For-hire trucker. It covers your liability for cargo that is lost or damaged due to causes such as fire, collision, or striking of a load. If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), cargo insurance pays for…Read more
Does My Insurance Policy Cover Riot Damage?
Civil unrest can occur anywhere – from big cities to a small-town community. Looting, theft, and vandalism are possible in the midst of the mayhem. But if something happens to your home or business as a result – will your homeowners’ insurance or business insurance cover it? Homeowners Insurance Standard home insurance policies are in…Read more
Cyber Liability Insurance
Research indicates that 75 percent of data breaches occur at small and medium-sized businesses, and that ninety-five percent of these data breaches are caused by hackers, rogue employees, or the loss or theft of equipment. And you don’t need to be a high-tech company to be susceptible to a damaging data breach. Any business, of…Read more
Trucking Insurance and Cargo Coverage
If you are in the trucking or fleet business, you understand the importance of delivering goods and services in a safe and timely manner. But what if an unexpected event occurs that prevents or delays your delivery? Or what happens if you or one of your drivers is involved in an at-fault accident? Trucking insurance…Read more
Taxi Insurance Virginia
Taxi insurance is a specialty commercial vehicle policy for drivers that transport customers for hire. In general, taxi insurance policies will cover damage to your vehicle and also cover personal injuries to you and your passengers in the event of an accident. It is important to understand that many personal automobile policies in Virginia exclude…Read more
Commercial Umbrella Insurance
Slips, falls, false advertising and personal injury claims. And more. Your business faces the risk of being sued every day—even if you never do anything that causes harm. In our litigious society, you face being sued just by being brave enough to open your doors. But you also can protect yourself, your business and your…Read more
Professional Liability Insurance
Professional liability insurance, or errors and omissions (E&O) insurance, is a type of coverage that protects certain individuals and corporations that provide professional services to their clients. For insurance purposes, “professionals” are defined as those who have special knowledge or skills in a certain area and who use those skills or knowledge to provide advice…Read more
Commercial Transportation Insurance
Any business that has a large fleet of vehicles, or even just one vehicle used for business, needs some type of commercial auto insurance. Commercial transportation insurance, or business auto insurance, is like your personal auto insurance policy but it covers trucking, charter buses, specialized transport, construction equipment, vehicles for hire, waste and refuse hauling,…Read more
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