Friday, November 21, 2014 Property owners exposures are ramped up during the winter in most states. Both cold and possible precipitation increase the likelihood of outside slip and fall, fire, and water damage. Moreover, the holidays increase the number of visitors to these sites and thereby increase the internal slip and falls and theft possibilities as well. READ MORE >>
Friday, November 14, 2014 Whether its Black Friday, Small Business Saturday, or Cyber Monday a good majority of businesses have amped up their promotions this month in anticipation or hopes of winning a percentage of the annual uptake in spending. READ MORE >>
Friday, November 7, 2014 Deciding and distinguishing between employees and independent contractors is key for many small business decisions including deciding rate of pay, overtime pay, and whether benefits may be available to the worker. This distinction also affects several small business risk and small business insurance related decisions. READ MORE >>
Friday, October 31, 2014 Halloween marks the start of a three months of celebrations, special events, and fundraisers. If your nonprofit or small business is considering a holiday party or other special event during this season, here are some key safety tips to consider. READ MORE >>
Friday, October 17, 2014 Your small business property insurance policy contains provisions which specify how a first party property damage loss will be valued. Generally the two manners of valuing the loss are replacement cost and actual cash value (ACV). READ MORE >>
Wednesday, October 8, 2014 The general liability insurance policy for your small business will likely include bodily injury, property damage, personal injury, and advertising liability coverage. Because these are liability coverages, the adjuster will investigate whether your actions resulted in resulted in damage to another party. READ MORE >>
Monday, September 29, 2014 Sometimes knowing what you do not have is just as important as knowing what you do have. When it comes to small business insurance not all damage to your property is covered. There are three methods of covering property: Special, Broad, and Basic. READ MORE >>
Monday, September 22, 2014 Friday September 19, 2014 was National POW/MIA Recognition Day. Although this is primarily seen a a military issue, kidnapping can also be a risk exposure for small businesses, especially start-ups who maybe collaborating and travelling frequently across the globe. READ MORE >>
Friday, September 12, 2014Data breach, cyber liability, network security are just some of the terms used to describe risks related your customers sensitive personal information. Recently, this large risk has received much media attention due to the costly breaches of Target and most recently Home Depot. READ MORE >>
Thursday, August 21, 2014Violence and weather in the past 10 years seem more commonplace than they have otherwise been in this century in the Americas. But these commonplace disasters can devastate or even end our small businesses. Entrepreneur magazine estimates that an average of 25% of businesses do not recover after a disaster. READ MORE >>
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