Cybercrime is a high-stakes cat-and-mouse game. Unfortunately, it often seems that the mice, i.e., the cybercriminals, have the upper hand. A disconcerting thought in general, but particularly if you run a small business. While data breaches involving large organizations make the biggest headlines, 55% of small businesses have experienced at least one data breach. Unfair […]
There are a lot of aspects of the grocery industry that contribute or can be detrimental to a grocer’s bottom line. One possible cause of loss that must be constantly monitored and thought through is waste as a result of food spoilage. These losses occur primarily in the produce, deli, and dairy departments of a […]
Your home may be the biggest investment you ever make. Losing it to water damage can be devastating. Private flood insurance offers peace of mind when nature is at its most fierce. 1. Flooding Affects Every State Flooding is the most widespread natural disaster in the United States. It affects homes in every state. Just […]
The boating industry has a lot of risks, despite the glamourous lifestyle that those who own yachts and private vessels share with society. For marine contractors and those who engage in commercial or resident construction activities around the water, there are a number of exposures that can threaten construction and interrupt a way of life […]
There are thousands of insurance companies in the United States and dozens of different types of insurance. The variety within the insurance industry can make being an insurance agent an exciting and profitable career for many different types of people. The requirements to get started as an insurance agent vary, but there are three main […]
When you own a cleaning company, you’re at risk for a lot. If an incident has occurred and one of your employees has been accused of damage or misconduct of some kind, what do you need to do next? 1. Personally Speak With the Client and the Employee Always check in with both parties to […]
Pollution liability insurance helps protect businesses from losses associated with pollution. Construction companies are particularly subject to claims regarding pollution. Here are some common pollution claims made against contractors. Water It is essential that construction companies properly dispose of wastewater. Keeping fluids such as oil and diesel out of the local water supply is crucial. […]
In the modern workforce, independent contractors are becoming increasingly common. Managing your contractors requires you to take several important steps to ensure that they succeed. Here is what you can do to facilitate the success of your independent contractors. Communication Is Key In the traditional workplace, communicating a problem or concern to your employees is […]
There are individuals who have unique assets that are not usually covered by the limited coverage services usually provided by mass-market insurers. If there is an incident with one of these assets, the coverage limits could be well below the value of asset replacement, but there could also be problems with losing the assets in […]
If you sell homes for a living, you know that when you are drawing up paperwork, errors and accidents can easily occur. That’s why it is important to have errors and omissions insurance real estate to help you in such cases. Here are a few ways this can protect you. You Can Avoid Losing Money […]