Tag Archives: business insurance

“What If” Wednesday: Why Do I Need Business Insurance?

business insuranceIt’s wise to invest in business insurance for the same reason that you invest in car insurance or medical insurance: because anything can happen to anyone.

Think about this: If you walked into your office tomorrow and discovered all computers had been stolen, what would you do? When would you be able to resume work? How would that down time affect your business?

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“What If” Wednesday: Smart Social Media Etiquette

social network business insuranceWhat if…I am perusing my favorite social media site and want to comment on a hot news item? Is there anything I should keep in mind before responding?

In the current days of social media, we need to be careful on how we respond to the latest news, gossip, etc. With everything on the internet being at our fingertips, everything can be commented and judged. Keep in mind that once it is out there, the whole world can see it.

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“What If” Wednesday: An Essential Business Insurance Addition

man holding umbrella over a cartoon business manWhat if…I get sued by one of my employees?

This stuff really happens!

Protect Your Assets

Two businesses we insure are thanking us for helping them understand why they should add Employment Practices Liability to their business insurance policies, as they are being sued by either an employee or a former employee.

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“What If” Wednesday: Is My Work Laptop Covered by Business Insurance?

Is my work laptop covered by my business insurance?What if…the laptop or tablet computer that I use for my business is stolen?   Will my business insurance policy cover the loss?

A typical commercial insurance policy does not provide coverage for the physical loss or damage to a laptop.   It will also not cover your legal “data breach” requirements if your device was storing customer, vendor and employee information.   You will need to purchase an inland marine policy (or an electronic data processing policy) to cover the laptop and “data breach” coverage to your policy to cover the costs associated with loss of that information.

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“What If” Wednesday: Disability Insurance Protects You

DisabilityWhat if… I’m hanging blinds and I fall, leaving myself unable to work?

One of the biggest threats to your income is the likelihood that an illness or injury will leave you unable to work for an extended period of time.  Most people underestimate their chances of suffering a disabling illness or injury.  The Social Security Administration’s statistics show the typical 20-year-old has a one in four chance of experiencing this type of disability before retirement.

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Avoid Business Insurance Audit Surprises!

As you know, your business sales/revenue totals, as well as your payroll, may be used in calculating your final insurance premiums.

In addition, subcontractors’ wages may be included in your final premium calculation unless they have provided your business with an approved liability and workers compensation certificate of insurance or exclusion form.

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