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

Q&A

Shorter educational articles with an educational tone aimed at answering some of the most common questions people have about business liability insurance.

What Kind of Insurance Do Small Businesses Need?


In this article, we discuss some of the most common insurance policies small business owners purchase for their companies and why they're important.

Small businesses are the foundation for future economic success; they bring forth the innovation to increase efficiency in our evolving world. However, insurance companies make it difficult to figure out when to get your first commercial insurance policy and what policy is the best fit for your company. There are many different types of policies and types of insurance for different aspects of your business. Therefore, there are a few things to keep in mind when initially considering shopping for insurance for your small business.
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What Insurance Do Subcontractors Need?


Subcontractors and artisan contractors often operate in industries with unique risks. In this post, we discuss the insurance these types of companies need.

Subcontractors, or artisan contractors, are a profession that is held to extremely strict insurance requirements. This is primarily because this profession typically involves risks that can cause significant injury to people or extensive damage to property. For example, when a professional in the construction or artisan contractor industry is ready to perform their job duties, they are required to show proof of insurance before any work can be performed and before they are allowed on any job site. So, let’s take a look at the types of business insurance subcontractors and artisan contractors should make sure they have in place.

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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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Can a Business Insurance Policy Be Cancelled?


What reasons can an insurance carrier use to cancel a company's coverage and what can business owners do to avoid this frustrating situation?

Insurance can be a challenging product and requires a significant ongoing commitment by all parties involved. This includes the customer, the broker, and the carrier that ultimately provides coverage. The carrier is often on the hook for a lot more money than it collects and is subject to complex regulations in each state it operates. At the end of the day, everyone involved in the insurance industry is trying to make a profit just like any other industry. Inevitably, the pursuit of profit will lead to carriers cancelling coverage for certain customers. However, the carriers can typically only cancel coverage when the customer isn’t holding up their end of the deal. So lets dig a little deeper and learn exactly how insurance cancellations work.
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What is Identity Recovery Insurance?


Identity recovery insurance is a policy that can be provided to employees by an employer to cover costs associated with recovering a stolen identity.

Have you ever received a letter in the mail from your credit card company letting you know that they’re issuing you a replacement card because of a potential compromise of your account? Now imagine the impact if someone was actually able to steal not only your credit card number but your entire identity. This is a stressful and frustrating scenario that millions of Americans experience each and every year and it results in the time consuming and expensive process that is recovering an identity, reversing fraudulent charges, and cleaning or repairing an incorrect credit history. Continue Reading “What is Identity Recovery Insurance?”

What Do Business Insurance Brokers Do?


Business insurance brokers are a valuable part of the commercial insurance industry, but their high cost is an unnecessary expense for small businesses.

Insurance brokers are a very important part the the commercial property and casualty insurance industry. They work directly with company executives providing guidance and advice around exposures and potential risks a particular business might face. These insurance professionals not only develop a comprehensive insurance strategy for their customers, they often also negotiate the procurement of the appropriate insurance policies from the insurance carriers.
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What is Business Travel Insurance?


For companies who's employees travel internationally, business travel insurance provides financial reimbursement when those trips become interrupted.

Even with the technological advancement of tools like virtual meetings, business travel is more common than ever before and shows no signs of slowing down. With more employees traveling comes increased exposure for the companies they work for. Business travel insurance is designed for people who travel, primarily internationally, for business purposes. Whether for trade shows or to meet with a prospective client or supplier, travel mishaps not only interfere with the business being conducted but they can cost a company thousands of dollars. The good news is that most of todays business credit cards provide adequate travel insurance as a card benefit for small businesses. However, for companies with employees who take more than five international trips per year to less established or industrialized nations, the benefits offered by credit cards might not be enough. Continue Reading “What is Business Travel Insurance?”

What is Business Interruption Insurance?


Business interruption insurance is a form of coverage typically added to an existing policy providing protection for interruptions to business operations.

Business interruption insurance, sometimes called business income insurance, is a type of insurance coverage that can be added to existing property policies or a packaged policy like a business owner’s policy (BOP).  This policy covers the loss of income that a business might suffer after experiencing a catastrophic event like a fire or natural disaster. Continue Reading “What is Business Interruption Insurance?”

What is Employment Practices Insurance?


Employment practices liability insurance (EPLI) is a specific type of business insurance that protects employers against lawsuits initiated by employees.

If you are a business owner, you probably already know that you need general liability insurance for your business or that you also need coverage for your property. However, may not be aware that if you have employees, you also need employment practices liability insurance. In fact, you might not even know what this type of insurance is. Continue Reading “What is Employment Practices Insurance?”

What is a Certificate of Insurance?


We discuss exactly what a certificate of insurance, sometimes called proof of insurance, really is along with who needs it and what they are used for.

Simply put, a certificate of insurance, sometimes called proof of insurance, is a snapshot of the current active insurance policies that are in place for a particular company.  They are typically requested by customers, landlords, and vendors as a way to ensure that the company they’re currently or considering working with has the necessary insurance in place in the event that something happens arrising in an insurance claim.  Every certificate is assigned to a specific “holder” which is usually the company or legal entity that requested it.  Therefore, you can’t simply create one and provide it to multiple companies.  A certificate of insurance must be created for each specific each holder.  And again, certificates are only a snapshot and valid for the day they are generated as a result of the fact that insurance coverage can be cancelled or modified by the insured at any time. Continue Reading “What is a Certificate of Insurance?”