Business Insurance

What is a Business Owner’s Policy? And Do I Need One? Running a small business comes with many risks. Unexpected events like property damage, lawsuits, or business interruptions all can threaten your business’s financial stability. That’s where a Business Owner’s Policy (BOP) comes in. Right now, you may be saying to yourself, “What is a […]

Commercial Lease Insurance Requirements: What Business Owners Should Know Before Signing You found the perfect location. The commercial lease terms seemed reasonable. You were ready to sign on the dotted line and get your business rolling. Then you saw it—that insurance requirement. Not just any insurance, but general liability insurance with coverage limits that made […]

The Savvy Business Owner’s Blueprint: Shopping for Business Insurance That Actually Protects You Ever felt like shopping for business insurance is like trying to navigate a maze blindfolded? You’re not alone. As a business owner, you’ve worked too hard building your dream to let it get wiped out by an unexpected lawsuit, property damage, or […]

How to Handle a Workers Compensation Audit (And Not Lose Sleep) You’ve got your business running smoothly. Your employees are happy. Your customers are satisfied. Life is good. Then a letter arrives from your insurance company about a “workers compensation audit,” and suddenly you’re googling phrases like “what is this audit thing” and yelling “where’s […]

Garage Liability vs. Garage Keepers: What’s the Difference, and Why You Need Both You run an auto repair shop, not a courtroom—but without understanding the crucial garage liability vs. garage keepers distinction, you could end up in both. If you repair, tow, or store customer vehicles, there are two coverages you can’t afford to misunderstand: […]

Garage Keepers Insurance: The Coverage Auto Shops Forget Until It’s Too Late The 2 AM phone call no shop owner wants: “Sir, there’s been a break-in.” A quick scratch of your head, and you wonder, “Do I have garage keepers insurance?” By the time you arrive (still wearing mismatched shoes), three customer vehicles are gone […]

Why Every Agent Should Consider Individual Real Estate Agent E&O Insurance If you’re a real estate agent, you already know how important it is to protect yourself from lawsuits. One slip-up, one misunderstanding, and you could find yourself in legal hot water. That’s why brokerages carry Real Estate Errors and Omissions (E&O) insurance. But here’s […]

Business Insurance Review: The Smart Owner’s Guide to Protecting Your Company’s Future Are you staring at that business insurance renewal notice wondering if you should just hit “auto-renew” and be done with it? Stop right there. That seemingly innocent shortcut might be the most expensive business decision you make all year. Here’s why: Your business […]

When Do I Need to Buy Workers’ Compensation Insurance? (Hint: Sooner Than You Think) “I’ll get to it eventually” might work for cleaning out your garage or learning to play the ukulele, but when it comes to the decision to buy workers’ compensation insurance, procrastination is a dangerous game that could cost you your business. […]

How Does Workers’ Compensation Work? A Straightforward Guide for Employers You’ve had workers’ compensation for a while now, but you’re still wondering, exactly how does workers’ compensation work? You’re not alone. Most business owners treat workers’ compensation insurance like that weird relative nobody wants to talk about at family gatherings. They know it exists, they […]