Running a business means working with people—and whenever employees, managers, customers, and applicants interact, there is a possibility that a dispute can turn into a lawsuit. That is where Employment Practices Liability Insurance (EPLI) comes in. EPLI is designed to…
Insurance policies can be full of terms that sound more complicated than they really are. If you own a business, work as a contractor, lease property, or sign contracts with other companies, you may have been asked to provide things…
When a business owner shops for commercial insurance, they may expect the insurance company to focus primarily on the business itself: What does the company do? How much revenue does it generate? What property does it own? What liability exposures…
When contractors think about insurance, they usually focus on general liability, workers’ compensation, commercial property, or tools and equipment. One coverage that often gets overlooked, however, is Hired & Non-Owned Auto (HNOA) coverage. What makes many independent contractors overlook this…
When most business owners think about insurance, they picture a fire, a storm, or someone slipping and falling on their property. But often the biggest financial loss isn’t the damage itself—it’s the income that disappears while the business is unable…
The answer depends on the specific operations and risks of your at-home business. While there may not always be a legal requirement for an at-home business to carry insurance, having the right coverage is generally a good idea to protect…
We’ve all heard stories about outlandish insurance claims made by individuals and businesses. Some are so ridiculous they even become comical examples. But when you own a small business, knowing when to file an insurance claim isn’t always as obvious…
Price is often the first thing business owners compare when shopping for insurance. While finding competitive rates is important, great customer service can be just as valuable—especially when your business needs help the most. Whether you’re opening a new business…
The freelance economy has grown rapidly over the last decade. From graphic designers and photographers to consultants, IT professionals, writers, and tradespeople, more people than ever are building successful businesses on their own. With the flexibility and low overhead that…
No two businesses face exactly the same risks. A retail store has very different insurance needs than a contractor, restaurant, manufacturer, or consultant. That’s why one of the most important steps in purchasing business insurance is understanding your company’s risk…
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