Do I Need Business Interruption Insurance?

Most people would never consider opening a business without first purchasing property insurance to cover the cost to repair or replace a building or equipment that’s been damaged due to a covered peril. But too many business owners fail to think about how they would keep their business afloat if they were forced to temporarily close. Business...

Insuring your home-based business

What you need to know if you work from home Whether you’re running a part-time, seasonal or full-time business from your home, you’ll want to carefully consider your risks and insurance needs....

9 Ways to Lead Your Team Into an Unknowable Future

The workplace is changed. As parts of the world begin to loosen coronavirus-related restrictions, organizations are emerging from COVID-induced hibernation. These transitions back to work are gradual....

Employee Benefit Liability

Employee benefits liability (EBL) is insurance that covers businesses from errors and omissions that occur when employee benefit plans are administered. These errors and omissions may include failing...

Responding to an Employee's Positive Coronavirus Test

As the number of coronavirus disease 2019 (COVID-19) cases grows daily, employers across the country are dealing with the difficult situation of responding to an employee’s positive COVID-19...

Workers’ Compensation Insurance: An Overview

Workers’ compensation coverage pays benefits to workers injured on the job, including medical care, part of lost wages and permanent disability. It also provides death benefits to dependents...

What Does Cyber Insurance Cover?

Across industry lines, organizations have become increasingly reliant on workplace technology to conduct key business operations. Whether it be for communication purposes, e-commerce, or...

How to Make a Risk Management Checklist That Encourages Company Safety

You probably have a checklist for everything from standard operating procedures to opening and closing your shop. But do you have any documentation to combat theft, accidents, and other business risks...

Heat Illness FAQ

Even though summer is winding down, chances are there will still be some hot days remaining. And if you work in an indoor environment where heat is a constant issue, your employees may face...

OSHA Guidance for Reopening Nonessential Businesses

On June 18, 2020, the Occupational Safety and Health Administration (OSHA) released guidance to help employers plan how to reopen nonessential businesses. The guidance also addresses issues employers...

June 5th Amendments to PPP

Since being established as part of the Coronavirus Aid, Relief and Economic Security Act in March 2020, the Paycheck Protection Program (PPP) has been the subject of additional stimulus bills, legal...

Key Person Life Insurance

Most business owners know the value of their inventory, the raw materials used to create their product or what it would cost to replace the vehicles used to move their product. They may not know the...

You can’t ignore the power of Social Proof - How to ask for a Testimonial

Fact: A stranger’s review has more impact on your customer’s purchase decision than any of your marketing or advertising efforts. According to a survey by BrightLocal, 88% of customers rely on reviews...

General Liability vs. Professional Liability Insurance

As a business owner, it can be a challenge to figure out what types of insurance you need. The right policies depend on the types of risks your company faces. Big and small businesses both...

EMC Insurance: Preventing Winter Slips

Winter is a busy time of year for all. Injuries from slips and falls peak during winter months, putting your employees out of commission right when you need them most. If you have retail locations,...

EMC Insurance: The Basics of Your Experience Modification Factor

Managing and understanding workers’ compensation insurance costs is a difficult task, says EMC Industrial Hygienist Krista Scott. You’ve likely heard the term “experience modification factor”...

Travelers Insurance: Two Types of Liability

An important part of understanding your responsibility for products and services is to understand how that responsibility is defined by law. Although various states and countries have differing...

Why is Business Continuity Important?

Companies today face an unprecedented number of exposures. The frequency and severity of weather-related events seem to be increasing and reliance on a complex network of technology and supply chains...

Travelers Insurance: Preventing Frozen Pipes for Businesses

Winter is around the corner and cold temperatures can reach areas of your facility that you cannot see or seldom visit, such as: ·        Crawl spaces; ·        Closets; ·        Enclosed spaces...

October is National Cyber Security Awareness Month

Cyber threats have become a common occurrence for all businesses, but in spite of the increased risk of cyber attacks, many companies are not heeding the potential threat to their own...
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