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 […]
Who Covers Company Equipment Stolen or Damaged While Employees Work From Home?
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 […]
Insurance for Home Day Care Businesses
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 […]
Home-Based Business Insurance Explained
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 […]
Cyber Security Tips for Allowing Employees to Work From Home
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 […]
What’s Covered by Umbrella Insurance?
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, […]
What is Commercial Umbrella Insurance?
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 […]
Umbrella Insurance is the New Liability Coverage
It seems as though the wealthier an individual is, the higher the risk of being sued. It’s just one of the downsides of being affluent, especially if that person is also a business owner. In opportunistic lawsuits, primary policies like standard car insurance, home insurance and a business owner’s policy do not fully protect a […]
Having the Right Commercial Truck Insurance
Whether you are an entrepreneur with one commercial truck or your company uses a fleet of trucks, you need commercial truck insurance tailored to your business and your risks. Perhaps you have drivers who make deliveries, or you have trained and certified commercial truck drivers who drive tractor trailers and deliver freight cross-country. No two […]
Does Nonprofit Insurance Protect Your Volunteers?
Not all nonprofit liability insurance policies cover the actions of people volunteering with your organization. To protect yourself against injuries to volunteers and property damage caused by volunteers, make sure your nonprofit coverage extends to volunteers as well as employees. Do I Need to Cover Volunteers on my Nonprofit Liability Insurance? When you purchased nonprofit […]
How Telematics Devices are Driving Discounts for Commercial Auto Insurance
Ever wonder what happens while your company drivers are on the road? Looking for new ways to monitor and manage cost of insuring a fleet of commercial vehicles? If professional drivers keep your business rolling, telematics devices now offer you new, real-time insights into ways to manage and monitor your risk exposures. For businesses that […]
Here’s What You Need to Know About Airbnb-ing Your Home
Sally Miller left corporate American when her first child was born to spend time with her growing family. But this also meant the family income took a hit, so she started exploring ways to make money from home. Hosting her four-bedroom home in San Jose, California on Airbnb turned out to be a great side-gig. […]
Marijuana at Work: What Employers Need to Know
Legalization of marijuana – whether for medical or recreational use – is rolling out across the country. It’s having an enormous impact on employers, who now have to ask: How is marijuana use impacting safety on the job? Can an employee file a discrimination lawsuit if medical marijuana use doesn’t align with our organization’s drug […]
Service Animals, Emotional Support Animals and Your Business
Many people with disabilities use a service animal in order to fully participate in everyday life. Dogs can be trained to perform many important tasks to assist people with disabilities, such as providing stability for a person who has trouble walking, picking up items for a person who uses a wheelchair, preventing a child with […]