Tag Archives: business insurance michigan

“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: A Tale of Perseverance and Positivity

Tree FrogWhat if…I am given a great opportunity, but I’m too afraid to take the risk?

Here is a story about the rewards of risk taking and perseverance against all odds:

There once was a bunch of tiny frogs who arranged a running competition. Their goal was to reach the top of a very high tower.

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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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Protect Your Business’s Hard-earned Cash

This stuff really happens!

Another business we insure is thanking us for helping them understand why they should add “Money and Securities” coverage to their insurance policies, as cash in their store recently was stolen.

Any organization with cash on site is at risk of loss due to theft or burglary.   Don’t just assume that money is covered or that your coverage is adequate!

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