Tag Archives: business insurance quote

“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: 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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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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The Latest Insurance Industry Changes that Affect You

Let’s talk… Changes in the insurance industry that can impact the price you pay.  If you have questions or concerns after reviewing this information, please contact us online, by telephone, or email (see contact info below).  Your Michigan Insurance Agent at Kemner Iott Benz wants to help!

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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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