Friday, March 3, 2017Business should pay close attention to their chance of suffering loss involving their use of vehicles. It's relatively easy to recognize loss created by cars and trucks that are owned and/or used in a business, such as sales representative cars or delivery vans. READ MORE >>
Tuesday, January 31, 2017If you own and/or run a smaller business, your insurance needs may be properly handled by a businessowner policy (BOP). A BOP is a single form that offers both property and liability protection. Retailers, wholesalers, small contractors, artisan contractors, dry cleaners, restaurants, offices and convenience stores (including those with gas pumps) are eligible for BOP coverage. READ MORE >>
Tuesday, June 7, 2016 The quality of our lives is highly affected by how we choose to spend our time. Any activity involves a chance that a loss could occur: A pick-up basketball game could result in a broken ankle when attempting a sweet move on the floor A tennis match could include your collision with a partner's backhand swing READ MORE >>
Monday, May 2, 2016Register as a Contractor for the First Time If this is a new business, you must do the following: Choose your business structure. If you are going to operate as a Sole-Proprietor or General Partnership, skip to step 3. READ MORE >>
Thursday, April 7, 2016Businesses price their products to cover the costs of production as well as their labor, sales marketing and other major expenses. Prices also reflect some post-sales costs such as handling repairs or replacements under warranty. At one time many industries used a pricing strategy for their products that failed to reflect their true costs. READ MORE >>
Thursday, March 24, 2016Whether we insure our car, our home, our boat, our personal property or our business, there is a basic premise of insurance that underlies them all…..sharing in losses that occur to them. A more common term for loss-sharing is deductible. READ MORE >>
Wednesday, March 16, 2016If you work from your home for part of your work week and if the situation is an ongoing arrangement with your employer…that's telecommuting! That is also an opportunity to make special insurance considerations. Consider the following: Property Considerations You may have gaps in coverage because of your work arrangement. READ MORE >>
Monday, March 14, 2016Your chances of suffering a loss is increasingly affected by your use of the Internet and, particularly, social media. Increasing your awareness of social media liability loss exposures may help you to minimize or avoid them. READ MORE >>
Thursday, February 18, 2016Your hobby may significantly affect your insurance needs. Hobbies often require a large investment in tangible property and may even create some legal responsibility to other persons or their property. Hobbyists: Collectors or Enthusiasts Hobbies typically involve either collectors or enthusiasts. READ MORE >>
Wednesday, February 25, 2015More North Americans are running businesses from home with figures from the US Census, Small Business Administration showing that more than half of the 28 million small businesses in the US are home-based. Those businesses are often at risk of the misconception that they are covered by home insurance policies. READ MORE >>
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