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Why You Need an Umbrella Insurance Policy

If you are like most people, you have heard the term “umbrella insurance” but are not quite sure what it means. Or perhaps you understand the term, but are under the impression that your homeowner’s and automobile insurance policies provide all of the coverage you need. Unfortunately, that is not

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Even Good Employers Need Employment Practices Liability Insurance

If you are like most business owners, you pride yourself on treating your employees well. You pay them fairly, treat them with respect and follow state and federal regulations about wages, overtime, and paid time off.Thus, chances are you feel confident that you will never be the defendant in an

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Does a Home-Based Business Need Business Liability Insurance?

Entrepreneurship is a growing trend in the United States, and today more than ever before many would-be entrepreneurs are deciding that the best place to start their own business is right in their own homes. And why not? Home-based businesses offer low barriers to entry and minimal start-up costs. In

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Be Prepared When Disaster Strikes-A Business Owners Insurance Survival Guide

Most commercial property insurance policies provide some coverage in the event of disasters, such as fires, floods and hurricanes. However, business owners often underestimate their potential losses when buying property insurance or fail to update their coverage as their business grows. As a result, many companies suffer financial losses from

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How Much Liability Insurance Is Enough?

A question many business owners ask when they are thinking about purchasing commercial liability insurance, is, “How much coverage is enough?” For one Florida construction firm, the answer became clear after a tragic accident resulted in a lawsuit and a $3.6 million settlement. How Much Liability Insurance Is Enough? was

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Think of Insurance as an Investment to Secure Contracts

When businesses, non-profits or government agencies make seemingly unreasonable requests regarding the insurance coverage of the contractors they hire it can be frustrating for independent contractors. The reality is, however, that these organizations make these requests because they want to protect themselves against potential loss. They generally do not have

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