This article provides an overview of home business insurance, explaining what it is, the different coverages, what business insurance for a home-based business costs, and more. If you’re researching home business insurance coverage, it’s a must-read!

From financial repercussions to reputation in market, one can't know how badly it could affect you and your business. Imagine, for a moment, one of your suppliers' contracts fall through and he/she drags you to the courtroom or an employee sues your company for the non-payment of salary/dues. Somehow you find yourself stuck amid lawsuit troubles and much more.

Pressures from inflation can affect companies of all sizes. These can be especially significant for small business owners who may have fewer resources to hedge against the impact that rising costs could have on their bottom line.

Companies may be responsible for the negligent or illegal conduct of an employee. Therefore, when the company hires an employee, reasonable steps should be taken to check references and other background information – especially the motor vehicle record (MVR) when driving is one of the employee’s responsibilities.

Internal risks such as exposure from operational processes and procedures are often easier to control. However, external risks such as exposures that may be introduced through partnerships or other parties hired to provide a service for your business, are more difficult to control.

There are many factors that have a role in creating an occupational heat stress risk to workers. These factors include:

• Environmental conditions

• Presence of heat sources

• Level of physical activity

The Terrorism Risk Insurance Act (TRIA), ensures that adequate resources are available for businesses to recover and rebuild if they are the victims of a terrorist attack. It is offered separately or as a special addition—called an “endorsement” or “rider”—to your standard commercial property insurance policy.

Business owners know that having insurance is essential. Without it, they have to pay out of their business’s pocket. And the unfortunate reality is that a single issue can create a huge expense. Still, we would like to keep the cost of your financial protection as low as possible and may wonder, “How is an insurance premium calculated?”

If you’re reviewing an insurance policy, see the word “subrogation,” and wonder what it means, you’re not alone. Subrogation in business insurance is a crucial concept that every business owner should understand. Subrogation refers to the insurer taking the place of the insured to pursue compensation from an at-fault party. Read on to learn what this means for your business.

Summer fun is about enjoying celebrations and time outdoors with activities like swimming, grilling out, going to parades and more. Fireworks are often the highlight of any summer event. But fireworks can cause accidents and injuries to children and adults alike. Let’s review the risks involved with using fireworks along with some important safety tips.

Replacing and repairing your windows is an inevitable part of homeownership. Do you know when you can and can’t get your windows replaced or repaired under your home insurance policy? We have the answers for you, plus some home maintenance tips for preventing window damage and replacing windows in a timely manner.

Your sump pump might not be the flashiest appliance in your home, but its role in keeping your basement dry and safe from flooding is undeniable. A well-maintained sump pump can be the difference between a minor inconvenience and a major disaster. But do you know how they work, when they need maintenance, and how they impact your homeowners insurance? T