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Business Insurance
Rear-end accidents can cause serious harm to people and property, and can result in significant costs for business owners. If your employee is at fault for a collision while on work duty, your business could be held financially responsible – no matter if that employee is driving a company vehicle or their own
Personal Insurance
Homeowners insurance may pay for hail damage to your roof, siding, and any other part of your property, minus your deductible. Hail is typically a covered peril on standard homeowners policies, but your policy may have a separate deductible for damage caused by hail — especially if you live in an area prone to hailstorms.
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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.
A commercial liability insurance policy pays for losses arising from bodily injury and property damage – real or alleged. If you’re considering a business liability insurance policy, it helps to know the terms and phrases used to describe these products. Here are some important liability insurance terms and definitions to know.
Rear-end accidents can cause serious harm to people and property, and can result in significant costs for business owners. If your employee is at fault for a collision while on work duty, your business could be held financially responsible – no matter if that employee is driving a company vehicle or their own
Cyber incidents—including data breaches, ransomware attacks and social engineering scams—have become increasingly prevalent, impacting organizations of all sizes and industries. As these incidents continue to rise in both cost and frequency, it’s crucial for organizations to take steps to address their cyber exposures and bolster their digital security defenses.
Business owners need to protect their businesses from potential costly motor vehicle accidents involving hired or non-owned vehicles. Hired autos are the vehicles a company rents, leases, or borrows for business purposes. Non-owned autos are vehicles that employees personally own and use to conduct business for their company.
The integration of artificial intelligence into business operations has become increasingly common. By integrating AI, companies hope to enhance their decision-making processes, improve governance, and ensure more effective oversight. However, AI’s advancement poses new risks that companies should consider.
For small business owners, the costs of providing health insurance for you and your employees can vary depending on multiple factors, but it’s almost always a significant expense. Regardless, health insurance is still a benefit many small business owners strive to offer their employees, helping them to attract and retain top talent.
According to Aon’s annual Weather, Climate and Catastrophe Insight report, U.S. and European damage from natural disasters in 2023 totaled $380 billion. Losses from natural catastrophes in 2023 totaled $380 billion, well above century averages. Read how you can protect your business from these unplanned costs.
Falls take around 12,000 lives and cause more than 30,000 disabling injuries annually, reports OSHA. Those numbers don’t even approach the number of lesser injuries caused by slips, trips and falls every year. So, consider stepping up your efforts to keep walking surfaces clear and dry — and employees and customers safe.
Homeowners insurance may pay for hail damage to your roof, siding, and any other part of your property, minus your deductible. Hail is typically a covered peril on standard homeowners policies, but your policy may have a separate deductible for damage caused by hail — especially if you live in an area prone to hailstorms.
Other Structures coverage provides financial protection for structures on your property that are separate from your main dwelling (i.e. not attached). Other Structures covered under Coverage B include: Detached garages, Sheds and workshops, Barns, Gazebos, etc.
Harsh winter months take a toll on your vehicle’s battery, tires, fluids, and overall performance. As the seasons change, your car needs a little extra attention to recover from winter’s impact and prepare for spring’s varying conditions. A spring car tune-up checklist can help you keep your vehicle in top shape, improve safety and efficiency, and avoid costly repairs.
Healthy trees can add beauty to your home. But in the event of a storm, just one unhealthy tree can pose a risk to your family and property. Here are seven things you can look for to help determine if trees around your house require attention. And if your trees display any of these characteristics, contact a professional to help address the problem.
Buying a used car can be daunting. No one wants to mistakenly purchase a “lemon” riddled with defects that aren’t apparent at first sight. Thankfully, we have many resources and tools that can help you make an educated buying decision.
Spring is here and, for millions of Americans, that means pulling the ATV out of winter storage. It’s been a long, chilly few months since your last ride, and you’re probably itching to get rolling. But before you hit the trail or haul that first load, you’ll want to make sure your four-wheel friend is in good working order.
Thunderstorms are most likely in the spring and summer months and during the afternoon and evening hours, but they can occur year-round and at all hours. To prepare and reduce damage to your home, follow these steps that include trimming trees, securing outdoor units, and installing protectors.
Water backup can be a homeowner’s worst nightmare, causing significant property damage that can lead to costly repairs. The good news is that there are proactive measures you can take to safeguard your home against water damage.
Does your homeowners insurance policy cover your most valuable belongings? Whether you’ve just proposed and need to help protect your intended’s stunning engagement ring or you’re making the artwork purchase of a lifetime, knowing that these investments are protected can bring you important peace of mind.
When you first get a new car, you’re probably excited about driving your vehicle and not about the auto loan you took out to finance it. But what would happen if you totaled your car? Would you have enough money to pay off the loan?
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