May 5, 2022
AgencyUnderstanding Employee Sexual Harassment Claims
As a business owner, you have a duty to create a secure working environment for all of your employees, and this means instituting a strong risk management program. One risk that you might not think about, but that could be present in your operation, is the risk of a sexual harassment claim from an employee. […]
April 21, 2022
AgencyCan Throwing Away Your Business’ Old Electronics Cause a Lawsuit?
Have you ever donated or sold an old computer or smartphone? Then you already know the importance of wiping the hard drive before the device exchanges hands to prevent someone else from accessing your data. The same applies to your business’ electronics. But it goes beyond old computers. What many people don’t know is that […]
March 9, 2022
AgencyWhy Does Your Business Need General Liability Insurance?
You’ve probably heard about the lawsuits involving fast food customers getting burned by hot coffee or pub patrons getting injured in a bar fight. The reason these cases came to fruition is because businesses are legally liable for providing a safe place for patrons of all types; a place that also serves safe food and/or […]
February 9, 2022
AgencyWhen Do I Need Commercial Auto Insurance?
As an individual who drives a car, you know that every vehicle on the road must be insured in accordance with state laws. The same goes for vehicles that are owned, rented or leased by businesses. From making deliveries to making sales calls, any vehicle that is used for business purposes will require commercial auto […]
January 17, 2022
AgencyWorkers’ Compensation Premium Audit Tips
At the end of every workers’ compensation policy period, insurance carriers conduct audits to ensure that paid premiums accurately reflected a business’s operations over the duration of the policy period. This is necessary, because premiums paid at the beginning of the policy period are only estimates based on projected payroll and assigned employee classification codes. […]
December 3, 2021
AgencyWhat is Employment Practices Liability Insurance?
As an employer, your employees are your most valuable asset. Your workforce is also one of the hardest types of risk to control. You might have insurance to cover work-related injuries and customer-related exposures, but you could also benefit from Employment Practice Liability Insurance. This coverage helps protect your business from financial loss in situations […]
November 2, 2021
Agency4 Ways to Avoid Data Breaches
Recently, Hollywood Presbyterian Medical Center paid $17,000 to a hacker who took over their computer systems. Increasingly, hackers’ attempts are bold and numerous in number. Unfortunately, data breaches are becoming a way of life. The best way to protect your business is to take measures to prevent, avoid and mitigate the possibility of a cyber-attack. […]
October 4, 2021
AgencyThe Costs of General Liability Insurance
All businesses need to protect themselves with insurance. Among your coverage should be general liability insurance. This form of coverage can provide protection if your business is held responsible for injuring a third party or damaging their property. Liability coverage comes in many shapes and sizes. You should work with your agent to set up […]
September 2, 2021
AgencyCan I Get Seasonal Commercial Auto Insurance?
There are some businesses that only operate during certain times of the year. When this occurs, having a number of insurance policies in place to cover your business when it is not operational can be very costly. If you have a fleet of vehicles that are only used seasonally, looking into a commercial auto insurance […]
August 3, 2021
AgencyControlling the Cost of Workers Compensation Insurance
Workers compensation insurance is a type of business insurance that is a requirement for businesses in most US states. Unfortunately, the costs to acquire this coverage can be high, especially for small businesses with tight budgets. However, that doesn’t mean that businesses don’t have some control over how much they pay for it. Businesses that […]