9 Fixes For a Safer Home…Even For the Mechanically Challenged

By | Homeowner's Insurance, Insurance

Home improvement: It’s a never-ending process for many people, and for those of us who aren’t necessarily handy, it can be a hassle, too. But there are plenty of simple maintenance tasks and other improvements you can handle to make your home safer – whether you’re handy or not. And you won’t have to break out the power tools (or any tools at all in some instances) or worry about getting in over your head. Water Works You need running water in your home – but not water running in your home, if you know what we mean. Even minor…

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7 SIGNS YOUR BUSINESS INSURANCE COVERAGE IS LACKING

By | Commercial Insurance, Insurance

1. You haven’t made it a priority as a small business Small business owners sometimes figure they don’t need to carry much insurance because they don’t have a lot of assets. But someone who sues you doesn’t necessarily care how much money you have. They may, unfortunately, intend to destroy you financially. And the smaller a business is, the more likely it is that an owner or manager can be held personally liable. So in a way, small businesses are at a much higher risk than big enterprises, because one lawsuit can be devastating. Never been sued? You’re lucky. The Small…

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What is Cyber Liability and Data Breach Coverage?

By | General Insurance, Insurance, Professional services

Cyber liability. It might sound futuristic, but its time has come. To address a common misconception head on, it’s not limited to tech companies. Cyber liability coverage is a must for any business that handles sensitive client information— credit cards, customer records, and other confidential data. Nowadays, nearly every company deals with this sort of information as a part of the normal course of business. The Basics Cyber liability and data breach coverage provides protection against the costs your company can incur when a data security situation occurs. For example. say you run a small-town fitness center that charges cards…

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Why Do You Need Error and Omissions Insurance?

By | Professional services

Errors and Omissions insurance, also known as E&O or professional liability insurance, is an option offered to anyone who provides professional services. Should a client suffer harm due to an error on your part or because you failed to perform a service, you and your company are protected. Medical providers, lawyers, architects, social service providers, realtor/property managers, and any other professional service provider could benefit from this coverage. In fact, in some cases, it’s required prior to doing your job. Wondering if you require E&O insurance coverage? Read on for more information about this specialized form of liability insurance. Mistakes…

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5 Questions to Ask Your Insurance Agent About Umbrella Coverage

By | General Insurance, Insurance, Professional services

Umbrella policies help cover your business for catastrophic losses, providing protection above your primary commercial-insurance policies. With the rising medical and legal costs associated with accidents, third-party lawsuits, and other severe loss exposures, it’s important to start a conversation with your independent insurance agent about umbrella coverage–and soon. But not sure where to start? Here are five must-ask questions to ensure you’re getting the coverage you need to keep your small business in the black when a catastrophic accident occurs. How much coverage do I need? This answer varies from business to business, depending on the size and value of…

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You’re An Expert In Your Business, You Need Experts For Your Professional Services…

By | Professional services

As an entrepreneur, you’re naturally driven and focused. You’re an expert in your business, but there are times when it makes more sense to delegate. That’s why you brought on an accountant and hired that lawyer. Smart. Make a mistake on your taxes or a contract and you could sink your business. When it comes to protecting your business against risk, you may think that you need to do it all yourself. But the amount you’d have to know to make an informed decision on your own is enormous, and the smallest oversight could be disastrous years down the line….

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