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What is General Liability Insurance for a Small Business?

July 28, 2021

As a small business owner, you’ve put in years of hard work and dedication to make your dream a reality. But what if a customer accidentally slips and falls in your store? Or if one of your contractors accidentally damages a customer’s property while working on a job? These unexpected events could create a major […]

Filed Under: American Heritage, Commercial Insurance, Small Business Tagged With: general liability insurance, general liability insurance for my home business, home based business insurance, small business from home, small business insurance

Who Covers Company Equipment Stolen or Damaged While Employees Work From Home?

July 21, 2021

Earlier this year, John Sebak handled an insurance claim filed by someone who was working from home and got into a car accident. The accident destroyed a computer owned by the person’s employer. “The car insurance didn’t cover it, but their home insurance policy did,” said Mr. Sebak, owner of Sebak Insurance Agency in Natrona […]

Filed Under: American Heritage, Commercial Insurance, Home, Small Business Tagged With: does my homeowners insurance cover work equipment?, home based business insurance, remote employees, small businesses, work equipment damage when working from home

Insurance for Home Day Care Businesses

July 14, 2021

When caring for children in your home, having the proper insurance is essential. Here are a few considerations when selecting a home day care insurance policy. What is Home Day Care Insurance? Home day car insurance, also known as child care insurance, protects care providers from the unique risks at-home day cares may face. While […]

Filed Under: American Heritage, Commercial Insurance, Home, Small Business Tagged With: child care insurance, home based business insurance, home day care insurance, small business insurance, what insurance do i need for a daycare, what insurance do i need to have a daycare at my house?

Home-Based Business Insurance Explained

July 7, 2021

With millions of Americans losing work this year, it’s not surprising that home-based business startups are gaining popularity. About one in five homeowners reported they had launched a home-based business in the last six months, according to a recent online poll conducted by The Harris Poll on behalf of The Hanover Insurance Group. While starting […]

Filed Under: American Heritage, Commercial Insurance, Home, Small Business Tagged With: do i need insurance for a business i run out of my house, does my homeowners insurance cover my business, home based business, home business insurance, small business insurance, what does home business insurance cover

Event Insurance for Various Types and Locations of Events

June 16, 2021

Whether it’s an audience of ten thousand or something more intimate, you open your space to the public, and to the people who know how to draw a crowd. This, in turn, exposes you and your venue to certain risks that can be managed with the right kind of venue insurance. Whether you need stadium […]

Filed Under: American Heritage, Commercial Insurance, Holidays, Special Event Insurance, Wedding Tagged With: concert insurance, conference insurance, do i need event insurance for a one day event, do i need insurance for my event, do i need insurance if im serving alcohol at an event, fundraiser insurance, office party insurance, renting an event space, renting out a church, special event insurance, Wedding Insurance, when is event insurance needed

Cyber Security Tips for Allowing Employees to Work From Home

February 3, 2021

Around the world, many people already work full-time from the comfort of their homes or local coffee shops. Employers have discovered, and research has consistently shown, that when employees telework, they remain productive due to having fewer distractions and spending less time commuting. While the ability to allow staff to work remotely when needed gives […]

Filed Under: American Heritage, Commercial Insurance, Cyber, Small Business Tagged With: cyber security, how to protect work from home employees from cyber attacks, remote work, remote work cyber insurance, remote work cyber security, use of personal devices when working from home, working from home and cyber security

The Most Common Commercial Car Insurance Exclusions

November 25, 2020

Commercial car insurance is, as the name suggests, designed for vehicles used for commercial purposes. There are many differences between a commercial policy and a regular one, which covers personal-usage cars. There are greater coverage limits, greater reimbursement sums and the possibility of adding a fleet of vehicles. There are certain activities that will void […]

Filed Under: American Heritage, Auto, Commercial Insurance Tagged With: commercial auto insurance, commercial car insurance, commercial car insurance exclusions, having a car for my business, insuring my business car, what does commercial car insurance cover, what doesnt commercial car insurance cover

Check Your Auto Insurance if You’re Going to Make Deliveries

November 4, 2020

With much of the country practicing social distancing and self-quarantines due to the coronavirus pandemic, many companies are looking for delivery drivers to get groceries, takeout meals and other items to customers. If you’re looking to pick up some extra cash as a delivery driver and using your own car, be aware of possible auto […]

Filed Under: American Heritage, Auto, Commercial Insurance Tagged With: automobile insurance, car insurance, commercial auto policy, delivery driver insurance, do i need insurance as a delivery driver, hired car insurance, non-owned insurance, uber insurance

Does My Small Business Need Cyber Insurance?

October 21, 2020

Most businesses invest in physical security and general liability insurance, but cybersecurity is usually limited to a firewall and some antivirus software. Unfortunately, this leaves many small businesses exposed to the high cost of cyber attacks – which are increasing in frequency. According to Gartner, a global research and advisory firm, 43% of major data […]

Filed Under: American Heritage, Commercial Insurance, Cyber Tagged With: business insurance, cyber liability, cyber security, data breach, does my business need cyber insurance, small business cyber insurance, small business cyber risks

Does Your Business Need Commercial Umbrella Insurance?

September 23, 2020

When you hear the term “commercial umbrella insurance,” what comes to mind? Many business owners aren’t entirely aware of what this type of coverage entails, or even what it means. Today, we are going to give you the answers to your most pressing questions on the topic! What is commercial umbrella insurance? Commercial umbrella insurance […]

Filed Under: American Heritage, Commercial Insurance, Umbrella Tagged With: commercial umbrella coverage, commercial umbrella insurance, do i need an umbrella policy for my business, what does an umbrella policy cover

What’s Covered by Umbrella Insurance?

September 16, 2020

Homeowners insurance protects you if, say, a fire burns your house to the ground. That’s a start. But you also need to think about protecting your home against something equally dangerous: a lawsuit. If a houseguest slips in the bathtub, you could get sued. Lose the lawsuit and you could lose all of your assets, […]

Filed Under: American Heritage, Auto, Commercial Insurance, Home, Small Business, Umbrella Tagged With: commercial umbrella insurance, personal umbrella insurance, umbrella insurance, what does umbrella insurance cover, what is umbrella insurance

What is Commercial Umbrella Insurance?

September 9, 2020

Commercial umbrella coverage gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. Without this business insurance coverage, you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as: Legal fees Medical bills Damage expenses A commercial umbrella policy […]

Filed Under: American Heritage, Commercial Insurance, Small Business, Umbrella Tagged With: business umbrella coverage, commercial umbrella insurance, commercial umbrella policy, how much is umbrella insurance for my business, umbrella insurance, what is umbrella insurance

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