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
Fine Art Insurance
Do you have expensive art in your home: Paintings, sculptures, glass works, textiles, ornamental jewelry and other items? But while you may have art, is it “fine art” – a one-of-a-kind work that may have some historic or artistic significance that required a specific fine skill to create, and is rare and unique. Fine art…Read more
Commercial Liability Rates Start Climbing as Lawsuits Rise
Commercial liability insurance rates are starting to edge higher after years of flat or declining rates, depending on your market. A new survey by MarketScout found that general liability, umbrella/excess and professional liability lines increased by 2% in the first quarter of 2019. Another report by insurance exchange IVANS Insurance Solutions found that rates for…Read more
Workers’ Comp Audit: What to Look For
No company owner wants to undergo a workers’ compensation audit, but they are a fact of life if you run a business and have employees. Unfortunately, many audits don’t go smoothly and sometimes your insurer may make mistakes. Missouri-based Workers’ Compensation Consultants, which helps employers through the workers’ comp audit process, recently listed the 10…Read more
Small Businesses Don’t Need Cyber Insurance
If your business has millions of excess cash and a crisis department dedicated to damage control, your business may not need Cyber insurance. If your business falls into the 95% category, and you do not have these resources, Cyber insurance is a must. Cyber attacks on companies’ information systems and data have reached unprecedented proportions,…Read more
Employment Practices Liability Insurance
Since Title VII of the Civil Rights Act of 1964 passed, the issue of employees’ rights continues to be controversial. Employers involved in interstate commerce are prohibited from discriminating against applicants. Understanding How Fast Lawsuit Risks Are Increasing As more laws are enacted for workplaces, employers face a higher risk of lawsuits. The likelihood of…Read more
Replacement Coverage for Your Commercial Property
The owners of a new company found a building on the market for an affordable price, so they bought it. Built in the 1940s to manufacture aircraft for the war effort, the metal structure had a large open space. The company occupying this space was in the software development business and the building was much…Read more
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