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We have access to many lines of insurance. Below are some of the most popular policy types.

August 2017

What Insurance Do Independent Contractors Need?


While the insurance needs of independent contractors and sole proprietors aren't as complex as larger businesses, a few types of policies may be needed.

A recent study conducted by the global consulting agency Accenture estimates that by the year 2020, 40% of America’s total workforce will consist of sole proprietor independent contractors. What this will equate to is more than one hundred million new “companies” with only one employee and each of one will be required to have the same type of business insurance as larger businesses do. So, if you’re thinking about leaving the grid of your day job to pursue a career as an independent contractor, if you’re already running a sole proprietorship, or if you own a company that ever hires independent contractors, then the information that follows will help you understand the types of insurance policies that sole proprietors should have in place to operate protected.
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How Data Breaches Affect Small Businesses


Data breaches are serious problem and they don't just affect big corporations. Increasingly, small businesses are being hit by this expensive cyber threat.

While hacking-related data breaches and subsequent ransom demands to large corporations like HBO, Target, and Home Depot understandably garner widespread attention, the resulting assumption that only large companies face this growing digital threat couldn’t be further from the truth. In fact, a study in 2016 found that 43% of all cyber attacks targeted small businesses. Even more alarming is that a staggering 60% of small businesses hit with a cyber attack or data breach go out of business within 6 months. Let’s take a look at specifically how this increasing threat affects small businesses.
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The Most Common Small Business Insurance Claims


The types of insurance claims will vary greatly by product, service, and industry but we can still examine the most common ones that small companies face.

Insurance is often an item business owners put off purchasing until an event occurs making it a legal or contractual requirement. In a past article, we took a look at 3 common events legally requiring insurance. However, millions of small businesses operate every day without insurance and they’re risking everything by doing so. In this article, we’re going to discuss the most common types of insurance claims faced by small businesses in America and the events that trigger them.
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