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Examples of Professional Liability (E&O) Claims
Professional Liability Insurance is also known as Errors & Omissions, or E&O, and it provides coverage for claims alleging error or...
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Apr 82 min read
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Five Types of Life Insurance for Small Business Owners
As a small business owner, you wear many hats and juggle numerous responsibilities. One crucial aspect of safeguarding your business and...
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Feb 253 min read
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Understanding Cyber Liability Insurance and Why It's a Must for Small Businesses
In today's world, cyber threats are getting more advanced and frequent with small businesses often targeted by cybercriminals because...
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Jan 283 min read
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Protect Your Business and Yourself Against Cyber Crime
If you have a mobile phone, a laptop, or a desktop computer and you connect to the internet for any reason, you have a cyber exposure....
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Dec 30, 20243 min read
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How Does General Liability Protect Security Agencies?
Whether you are required to have General Liability insurance or you chose to purchase the coverage for your business, do you know what...
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Dec 30, 20243 min read
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What is Co-Insurance?
What is co-insurance for property coverage - whether it is for homeowners or commercial lines property? Co-insurance for property...
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Dec 10, 20241 min read
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Actual Cash Value vs Replacement Cost (ACV vs RC)
Are you a "how much will it cost today" or a "how much will it cost tomorrow" type of person? This question is crucial when it comes to...
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Nov 22, 20242 min read
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Ghost Workers Compensation Policy: A Misleading Term
A "ghost workers compensation policy" is a misleading term. Â Many insurance agents will likely tell you that there's no such insurance...
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Sep 2, 20242 min read
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US Department of Labor Rule Changes for Independent Contractor Versus Employee Status
U.S. Department of Labor has changed the rules when it comes to 1099 (Independent Contractors) and whether they are considered employees...
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Mar 5, 20242 min read
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Why Your Small Business May Need Workers’ Compensation InsuranceÂ
As a small business owner, you face an important decision — does my business need workers’ compensation insurance? Workers’ compensation...
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Mar 5, 20242 min read
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Benefits of Using an Independent Insurance Agent: Small Business Owners
Money, Time & Peace of Mind: Benefits for Your Small Business As a business owner, you have a lot on your plate. Sure, your finances on...
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Feb 20, 20243 min read
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Why Your Small Business May Need Workers’ Compensation Insurance
As a small business owner, you may face an important decision — does my business need workers’ compensation insurance? Your state’s...
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Nov 26, 20233 min read
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Why Key Person Insurance Is "Key" To Your Business
No one likes to think of it, but if the last few years taught us anything it’s that no one is too young, too healthy, too strong, too...
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Oct 23, 20232 min read
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No Business Is Too Small For Cyber Liability Insurance
About two weeks ago, I started receiving messages from my friends that someone had hacked my Facebook account because they were receiving...
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Oct 20, 20233 min read
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When Working From Home Can Cost You.
As a small business owner, I must focus on the financial bottom line. Not only do I want to make sure that all my business expenses are...
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Oct 15, 20232 min read
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Do I Need Flood Insurance?
Losses due to flooding are usually not covered under your homeowners policy which is why flood insurance needs to be bought as a stand...
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Aug 31, 20232 min read
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Should You Insure Your Smart Watch
If you are "older" then you remember the old Timex watch commercial where the purpose of the ad was to let you know how durable and...
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Aug 21, 20231 min read
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What is the Difference Between General Liability and Professional Liability Insurance?
You buy a General Liability policy to protect your business and you are a Professional, so aren't these two policies the same? Not even...
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Aug 20, 20232 min read
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Do You Need Workers Compensation Insurance?
The requirement for workers' compensation insurance varies from state to state. In general, employers with one or more employees are...
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Aug 17, 20232 min read
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Do you need a BOP? Business Owners Policy Insurance Explained
What's a BOP and why do you need one? A BOP, or business owner's policy, this is a type of insurance that can help protect your small...
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Aug 16, 20232 min read
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