Insurance Design & Placement, Inc. Blog: small business insurance
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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 >>
Monday, August 4, 2014With Mother Nature raging against us, business insurance losses are inevitable even with the best loss control. Oftentimes when there is a loss, small business owners are in a hurry to get the property repaired. Although this is well understood, it can sometimes interfere with, and in the most extreme examples, lead to your business insurance claim being denied. READ MORE >>
Wednesday, July 2, 2014Most small business owners are thoroughly familiar with general liability because it is the basic coverage often required by landlords, vendors, and clients. However, there may be some finer points of this coverage that you should consider depending on your industry. Technology Companies and Start-ups READ MORE >>
Monday, June 23, 2014During the summer volunteers and youth become part of the labor force. Volunteers and youth don't have the benefit of your company's day to day routine and need special risk consideration. Read more... READ MORE >>
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