Liability Protection from Accidents and Mishaps
General liability insurance is an integral part of doing business. Regardless of the size of your company, having coverage in case of an accident or lawsuit will give you the peace of mind of knowing you won’t lose your business if something unfortunate should happen.
We have a team of insurance agents who have spent years developing relationships with all the best providers. They’ve been navigating the complex coverage options available to businesses and will work with you to figure out exactly what your business requires and what it doesn’t, so you can avoid gaps and overlaps in your coverage.
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Certificates of Insurance
Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect the coverage provided by a particular insurance policy. Therefore, requests to “endorse the certificate
Disaster Recovery for Businesses
No business wants to face an event that could seriously curtail or even shut down operations. Unfortunately, few businesses have plans to deal with such a disaster. It is not unusual for a business to overlook creating disaster plans. Further, companies that do have disaster or continuity plans in place often fail to update their
Employee or Independent Contractor?
Business owners have a lot at stake when it comes to determining whether persons connected with their ventures are employees or independent contractors. The largest issue with making this determination involves taxes and insurance. A business has specific responsibilities for employees, having the legal obligations to withhold and pay certain taxes (Medicare, Social Security) and
How to Protect Against Employee Theft
When a business uses insurance and/or loss control to protect itself from losses, the focus is usually upon outside forces. In other words, the assumption is that some event or some party not directly connected with the business will be the source of a loss. While this assumption is legitimate in many instances, it is
Office Functions and Alcohol
The office picnic, office-sponsored sports activities, holiday party, and client party may involve serving and consuming alcoholic beverages. Therefore, a number of questions arise, such as the following: Can our business be held responsible for injuries or damage that results from serving alcohol? Is the current insurance program sufficient to address this concern? Is it necessary to
Umbrella vs. Excess Coverage
A business usually will buy liability coverage for two chief areas. One is to handle its routine, premises liability. The second is to handle liability that is related to the actions a business performs away from its premises or that may address the professional-level obligation it owes to others while providing products, goods and services