Business Insurance

Cybercrime is a type of criminal activity that didn’t exist 30 years ago. If you were running your small business back then, you wouldn’t have been worried about hacking, data breaches, phishing, malware, or spyware. Today, cybercrime is a global concern for businesses of all sizes in virtually every industry.

Employment practices liability insurance, known in the trade as EPL insurance or EPLI, provides coverage to employers against claims made by employees alleging: Discrimination, Wrongful termination, Harassment, Other employment-related issues, such as failure to promote.

Serving alcohol is a common practice for restaurants, bars, catering companies, entertainment venues and similar establishments. While providing a wide array of beverage options is important, serving alcohol in particular can create a variety of risks for business owners.

Every February through April, there is a rise in tax fraud by cyber criminals keen on stealing your personal and business’s financial data. Learn how to prevent these types of cyber attacks by being aware of the scams they use and having a solid cybersecurity program in place during tax season and all year long.

Correctly classifying workers as employees or independent contractors is essential for a company to comply with various federal and state laws. This cheat sheet outlines the U.S Department of Labor’s economic reality test for classifying workers. Employers can use this cheat sheet to help confirm they are considering the relevant factors when classifying workers.

Winter has already made its return to many parts of the country. Freezing temperatures, heavy snowfall and brisk winds are the reality for the next several months in areas like the Midwest and Northeast. With inclement weather comes the increased risk for slip and fall accidents – especially in icy parking lots or along walkways not properly cleared of snow.

OSHA has announced their preliminary list of the top ten workplace violations for fiscal year 2023. Topping the list for the 13th year in a row is fall protection. The number of violations in each category increased from last year. Furthermore, the US Department of Labor increased OSHA maximum civil penalties in 2023.

Federal Motor Carrier Safety Administration roadside inspections are examinations of commercial motor vehicles and drivers by Motor Carrier Safety Assistance Program inspectors. Inspectors conduct roadside inspections on CMVs and drivers to check that they are in compliance with the Federal Motor Carrier Safety Regulations and Hazardous Materials Regulations.

In many parts of the country, winter weather has already arrived. Is your business ready for winter storms? Learn winter safety tips for preparing your business’s property for cold weather and preventing damage to your building from storms and freezing temperatures.

Small businesses are more likely to be targeted by cyber thieves, and those with 500 or fewer employees lose nearly $3 million on average in a data breach. Not only do you need to ensure your network is secure, but you also need to ensure employees are using secure connections in their home office or local coffee shops.

A data breach report from the nonprofit Identity Theft Resource Center (ITRC) found that there were 2,116 publicly reported data compromises in the U.S. market during the first nine months of 2023. This figure represents the most in a calendar year, and there are still three months to go

Fires can devastate small businesses, causing property damage, loss of inventory, disruptions in operations and even endangering the lives of customers and employees. However, many of these fires can be prevented through proactive measures.

Many contracts involving the sale or exchange of goods and services may require surety bonds. This applies beyond construction to include service contractors, manufacturers, underground utilities operations, building materials suppliers and installers, and retailers and wholesalers. Here are 10 surety contract terms that you should be familiar with.