Loss Run reports provide a summary of a small business’ insurance claims history, including the types of claims filed in the past, the frequency of past claims filed and the related costs. This data is used by insurers to help figure out how risky a business is to insure. The calculated risk directly impacts the premium amount a business will pay for insurance.

The Internal Revenue Service announced its annual Dirty Dozen list of tax scams for 2026. Scams include :

• impersonation

• fake charities

• misleading social media advice

• identity theft and much more.

While material costs continue to rise because of inflation, and potentially tariffs, labor costs are increasing more steeply because of a supply/demand imbalance, especially among skilled trades such as electricians. The demand for skilled trades drives up costs because workers can command higher wages.

An analysis of more than 1 million small-business insurance policies reveals that water and freezing damage claims have risen significantly over the last decade to become a top risk alongside burglary, while fire damage remains the costliest incident, averaging $80,000 per claim.

During the first 24 hours following a major winter storm, your response will make a critical difference in the pace at which your business can recover and get back into full operation. Both the protection of your property and the safety of your employees are critical to your business resilience.

Winter driving conditions can be prime time for accidents involving skidding or losing control. Ice and snow are common hazards that often come to mind. Whether you have employees driving occasionally for an off-site business meeting or an entire fleet of drivers transporting goods, help keep them and others safe by sharing these precautions to help avoid losing control at the wheel.

One of the great things about business insurance is that you can control your costs when choosing your coverage. That’s mainly because providers offer flexibility in setting your policy limits and deductibles. These features affect your costs in different ways and can be fine-tuned to ensure you have the protection you need at a price you can afford.

Retailers face mounting pressure to absorb rising costs, maintain customer satisfaction and adapt to shifting trade dynamics. The stakes are especially high for small and mid-sized businesses. In this climate, understanding and responding to the evolving trade landscape is essential to ensure stable operations. 

It’s going to take time to recover from the winter storm that affected a large part of the country and left hundreds of thousands without power. Scammers know severe weather may have shut off your electricity, heat, or water. And they might try to take advantage by sending messages that look like they’re from your utility company with links designed to steal your personal information.

Damage can be devastating when large amounts of water enter your home. And when you have a flooded house, the repair process can be long and expensive. Cleaning and repairing a flooded house takes time. Learn the crucial steps and coping mechanisms that can help when repairing your flooded home.