Standalone Cyber Insurance: What Is It and Why Do You Need It?

In today’s ever-evolving digital world, the risk to your data security and privacy grows. When a cyber-attack happens, it can take weeks or months to recover, impacting your business operations and bottom line tremendously. Cyber insurance is one of the best ways to protect your business from the financial hardships caused by cyber-attacks. Cyber liability insurance is an insurance policy that provides businesses with a combination of coverage options to help protect the company from data breaches and other cyber security issues. When it comes to cyber insurance there are several ways a [...]

2023-05-31T15:54:59+00:00May 31st, 2023|

Small Business Insurance

From family-run construction companies to small-town boutiques and cafes, you work hard to operate and maintain your small business. No matter what industry you are in, you likely need small business insurance. Having it can help protect everything you have worked so hard to build. Small business insurance can help cover the unexpected costs that result from accidents, natural disasters, lawsuits, and more. Picking The Right Types of Business Insurance For Your Needs The most common type of business insurance is a Business Owner’s Policy (BOP). This type of coverage typically includes: General [...]

2023-04-28T14:50:31+00:00May 1st, 2023|

5 Types of Small Business Insurance

Business insurance can offer important protection against losses from accidents, employee misconduct, lawsuits, and more. Whether you are new to business ownership or simply looking to change up your existing insurance, it is vital to ensure that you have the right coverage for your unique needs. With so many different types of insurance, this is a task that can seem overwhelming. Let’s break down 5 of the more common types of business insurance. General Liability Insurance General liability insurance protects your business from claims involving bodily injuries and personal property damage. It typically [...]

2023-03-31T14:40:15+00:00April 30th, 2023|

8 Ways Small Businesses Can Prevent Cyber Attacks

Many small businesses don’t have the time to dedicate to extensive cybersecurity efforts or even know where to begin. A study by the U.S. Small Business Administration showed that 88% of small business owners thought that their business was at risk, but they hadn’t taken any preventative steps. Let’s go over 8 ways you can protect your small business from cyberattacks. Conduct A Review Conducting a thorough review of your existing cyber security can help to identify any areas that need improvement and ways to continue vital [...]

2023-03-31T14:58:02+00:00April 16th, 2023|

Errors and Omissions Insurance: Do You Need It?

Mistakes happen to everyone, even professionals. Whether you are a real estate agent and you forgot to include important details about a home to a buyer or a tax preparer who made a bad calculation… it can happen. However, if a mistake you or your business made causes a client to experience financial loss you could have a lawsuit on your hands. So how do you protect your business? Errors and Omissions Insurance. Errors and omissions insurance, also commonly referred to as E&O, is professional liability insurance that helps protect you from lawsuits [...]

2022-06-01T18:47:39+00:00June 19th, 2022|

Don’t Let Your Employees Drive Distracted

From restaurants with delivery drivers to corporate entities that give their staff vehicles to use when meeting clients, vehicles are driven by employees are an important piece to many businesses. However, relying on vehicles driven by staff exposes you to a huge threat… Distracted Driving. Actions like using a cell phone, fiddling with your GPS, or eating while driving can lead to a serious accident. Distracted driving is dangerous in ideal conditions but add in bad weather or traffic and it could be disastrous. It is important to have practices and policies in [...]

2022-06-01T18:29:33+00:00June 5th, 2022|

Business Continuity Insurance and Why You Need It

It’s a bright and sunny afternoon. The café is full, and orders are flowing in. Business is doing well; you are seeing all of your dreams come true. Then tragedy hits! A fire breaks out in the kitchen and wreaks havoc on the business. Thankfully insurance will cover the building and your equipment, but it looks like you will be closed for at least a couple of months… If you were unable to operate your business for a period of time due to a loss, could your business survive? According to FEMA, the [...]

2022-04-26T18:11:36+00:00May 22nd, 2022|

Insurance Score?

You may know that your history of accidents and violations, insurance claims, and more impact your insurance rates. But did you know that you have an insurance score? Insurance scores, or insurance credit score, is a three-digit number assigned to you that predicts the risk of an accident or insurance claim in the future. Scores above 770 are considered good, 500 – 770 are average, and below 500 are poor. The lower your insurance score, the higher your premium may be. Think of it as a credit score but for insurance. How is [...]

2022-03-04T16:34:34+00:00March 27th, 2022|

Who Needs EPLI?

We’ve all heard horror stories. An employee was let go and then turned around and sued the company claiming wrongful termination. An employee sues their company on the grounds of discrimination or harassment. We have repeatedly heard this in the news and from our business contacts or friends and think that could never happen to us. WRONG! Employment practices claims can happen to organizations of every size, industry, and at any level. They can disrupt businesses, damage reputations, hurt employee morale, and hit a company hard financially… all before they ever see a [...]

2022-03-04T15:31:21+00:00March 27th, 2022|

Trucking: Insurance For Your Unique Needs

From owner-operators to major fleets, the trucking industry is one that faces many risks. Whether it’s employee injury and illness or damage to your trucks, the right insurance protection is important. For the trucking industry specifically, insurance can quickly become one of the most complicated aspects of business because your coverages and premiums are dependent on so many things. Everything from the age of your drivers and vehicles to the type of materials you are transporting is a factor. Because this can be complex, let us help break down some of [...]

2022-02-23T16:58:56+00:00February 23rd, 2022|
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