Information for business owners.

The Who, What, and Why of Professional Liability Insurance

For those working in industries where they advise others, the risk of making a mistake can be fatal to your business. Your advice can impact another person’s livelihood and, if you make a mistake or your client perceives that you made one, it could be costly. The risk of being sued based on how others feel your advice impacted them is great. This is where professional liability insurance comes in. Professional Liability Insurance, also sometimes referred to as Errors and Omissions (E&O Insurance), is protection for your business from claims of negligence that [...]

2021-07-29T19:20:30+00:00August 15th, 2021|

Importance of Directors and Officers Liability Insurance

As a director or officer of an organization, you make many important decisions regarding everything from policy choices to financial aspects. These decisions help your company to succeed, but they can also leave you and your organization open to lawsuits. Lawsuits that can be costly to you personally but also to your organization. Directors and offices can be sued for a variety of reasons related to their roles, including: Breach of fiduciary duty, resulting in financial loss or bankruptcy Misrepresentation of company assets Misuse of company funds Fraud Failure to comply with workplace [...]

2021-07-29T17:29:16+00:00August 8th, 2021|

Construction and Excavating…Insurance Plans To Meet Your Need

As you know, contractors and excavators face more risks than most businesses. Big jobs call for heavy equipment, large crews, and comes with plenty of hazards. Your equipment is expensive and the chance for accidents is high. How can you protect yourself, your employees, and your company from the dangers you face every day just doing your job? One important tool you can use to manage risks is the right insurance coverage. The right package of policies can ensure you are covered in case there is an accident. There are always conditions [...]

2021-05-11T18:07:55+00:00May 11th, 2021|

Life Insurance: Employer Vs Individual

Your employer is offering you life insurance? That is great! But… Many employers offer life insurance as a benefit to employees. The type of life insurance, amount of coverage, and cost to the employee vary from business to business but for the most part, employer-provided life insurance is a great benefit. It can be cheaper than the cost of purchasing your own policy due to employer group rates and in some cases, employers will cover some or all of the premium costs. Employer-provided life insurance also helps to cover any end-of-life expenses and [...]

2021-07-27T14:51:55+00:00April 18th, 2021|

Group VS Independent…Which is right for you?

Group Coverage is health insurance provided to employees by an employer or by an association to its members. Individual Coverage is health insurance you buy on your own, not related to your employer or an association. What is the difference? If you have had or currently have group coverage, then you know how that works. Your employer typically gives you a choice of a few different health insurance plans, pays for some or all of your monthly premium, and automatically deducts your premium from your paycheck. [...]

2021-07-27T14:57:10+00:00April 4th, 2021|

Wellness Program: Why Is It Important?

Many businesses, small and large, offer wellness programs to their employees. Yet, there are still concerns about whether wellness programs actually help or are just costing the business money. Despite the concerns regarding privacy and effectiveness, studies show that promoting healthy habits benefits both the employer and employee. Here are 5 reasons why having a wellness program in the workplace is important. Health, active employees incur lower health costs. Lower health costs benefit both the employer and the employee. If health costs are lower, employers may pass a small percentage of the bill [...]

2021-07-27T15:15:15+00:00January 10th, 2021|

Winery and Vineyard Insurance…So Many Different Coverage Options

Your winery is more than just your livelihood, it’s your life’s work. All farms and agribusinesses face challenges but wineries and vineyards have added risks that can cause even more stress. You have farm exposures like buildings, equipment, chemicals, and crops but you also have the risks that come with the rest of your business like a production facility, tasting rooms, restaurants, and special events. With all the challenges you face how can you protect your investment of time, money, and effort? The right insurance coverage can help secure your operation [...]

2021-07-27T15:20:07+00:00January 8th, 2021|

As Your Landscaping Business Changes… So Should Your Insurance Coverage

Landscaping can be a dangerous job with some hazardous working conditions. Landscapers are frequently using heavy equipment like backhoes and graders and other equipment with lots of moving parts like mower and chainsaw blades. Additionally, all this equipment and the trucks and trailers you use to get your tools to the job site can be very expensive. On top of those dangers and expenses, you may be digging in someone's yard, what if one of your employees accidentally damages a foundation or breaks a gas line? How do you protect your [...]

2021-07-27T15:22:57+00:00January 8th, 2021|

New Year, Same Policy?

Last year showed us that we never know what the future can hold, and we should be prepared for anything. As we ring in 2021, consider the things you care about most. What would happen to them if something unexpected were to occur? Would they be fully protected? This is a great time to review your insurance policies and see that everything is up to date and that you have all the coverages you need. Let's run through a quick insurance checklist to see if the basics are covered: Life Insurance Any changes [...]

2021-07-27T15:29:06+00:00January 3rd, 2021|

Controlling Road Rage

It has happened to the best of us. You are on your way to the beach house for the week with your closest family and friends and you are cruising along listening to music and having a good time. When BAM you hit traffic that appears to be 10 miles long. It starts to become hot, your daughter has to pee, your son is complaining he is hungry, and all of a sudden someone cuts you off. ROAD RAGE HITS! Now what? You could put your car into park and get [...]

2021-07-27T15:48:27+00:00August 23rd, 2020|
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