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Home-Based Business Insurance Explained

July 27, 2022

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, Home, Small Business Tagged With: business insurance, home based business, home based business insurance, home business insurance, what does home business insurance cover

What Type of Insurance Does Your Home Business Need?

July 20, 2022

For many small business owners, working from home is a dream come true. However, this is a dream that comes with its own set of sometimes-unexpected problems and considerations. As an entrepreneur, some challenges – like needing to efficiently manage your own time and wear multiple hats – are probably already on your radar. What […]

Filed Under: American Heritage, Home, Small Business Tagged With: business at home, general liability insurance for my home business, home business insurance, what does home business insurance cover

Home-Based Business Insurance: Who Needs It?

July 13, 2022

If you own a home-based business or you’re thinking of starting one, you’re in good company. According to SBA statistics, Americans own about 28.8 million small businesses—and half of them are at-home businesses. The most common types of home-based businesses include information, construction, and professional service firms. But today’s entrepreneurs are getting creative, turning some serious […]

Filed Under: American Heritage, Home, Small Business Tagged With: home based business, home based business insurance, what does home business insurance cover

Does Your Home-Based Business Need Business Insurance?

July 6, 2022

If you’re one of the growing number of entrepreneurs with a home-based business, you may have pondered getting business insurance. But it’s not just a case of whether or not to get insured, but what kind of insurance to get. These days, many successful entrepreneurs and small business owners operate their businesses from the comfort […]

Filed Under: American Heritage, Home, Small Business Tagged With: business insurance, home based business insurance, home business insurance, in-home

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

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

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

Umbrella Insurance is the New Liability Coverage

September 2, 2020

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 […]

Filed Under: American Heritage, Auto, Home, Money, Small Business, Umbrella Tagged With: commercial umbrella insurance, do i need umbrella insurance, liability coverage, liability insurance, personal umbrella insurance, umbrella insurance, what does umbrella insurance cover, what is umbrella insurance

Having the Right Commercial Truck Insurance

August 5, 2020

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 […]

Filed Under: American Heritage, Small Business, Truck Insurance Tagged With: bobtail insurance, cargo insurance, commercial truck insurance, commercial trucking insurance, semitruck insurance, trucking, trucking claims

Does Nonprofit Insurance Protect Your Volunteers?

May 27, 2020

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 […]

Filed Under: American Heritage, nonprofit, Small Business, Special Event Insurance Tagged With: insurance for volunteering, insurance for volunteers, nonprofit insurance, special event insurance, volunteer insurance

How Telematics Devices are Driving Discounts for Commercial Auto Insurance

February 19, 2020

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 […]

Filed Under: American Heritage, Auto, Small Business Tagged With: commercial auto insurance, commercial car insurance, commercial truck insurance, driving for work, fleet insurance, telematics devices, telematics for fleets, track your driving, truck fleet insurance, truck insurance

Here’s What You Need to Know About Airbnb-ing Your Home

January 29, 2020

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. […]

Filed Under: American Heritage, Home, Money, Renters, Small Business Tagged With: airbnb, Home Insurance, insurance when you airbnb your home, making money as airbnb host, renters insurance, what to know before airbnbing your home

Marijuana at Work: What Employers Need to Know

January 8, 2020

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 […]

Filed Under: American Heritage, Small Business Tagged With: injuries in the workplace, legalized marijuana and its effect on businesses, marijuana at work, workplace drug testing

Service Animals, Emotional Support Animals and Your Business

December 11, 2019

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 […]

Filed Under: American Heritage, Condo, Home, Pets, Renters, Small Business Tagged With: ada, businesses and emotional support animals, businesses and service animals, emotional support animals, emotional support animals and apartments, flying with a service animal, hotel owner, hud, property owner, service animal laws, service animals, service dog, where can service dogs go

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