Education

Running a small business is tough. You have deadlines, payroll to meet, taxes to handle, customers with challenges, rent to pay and the list goes on. But did you know that 50% of SMBs have been breached in the past 12 months? I know what you’re thinking. Well, we are too small, who would want…

Our customers frequently ask us What’s the difference between Cyber Liability and Technology Errors and Omissions Insurance? This article answers that question and takes it a step further; we’ll explain the differences between the two policies and why it benefits your small business to combine them. In the past, we’ve written several times about each of…

While some photographers are used to working on location or at venues, many operate a photography business out of a photography studio. Whether you operate a studio out of your home or out of a dedicated commercial space, your company faces a unique set of risks and should prepare for those risks accordingly. One of…

Photography is an equipment-intensive profession with the tools a photographer depends on easily adding up to tens of thousands of dollars in value. From camera bodies to lenses to lighting, most photographers acquire the equipment they need over the course of their careers given the associated costs. But what happens when a photographer doesn’t have…

There are millions of small businesses in the United States. More than 25 million in fact. However, based on a recent study by Score, the majority of the American workers will be freelancers by 2027. That means there will be close to 50 million additional small businesses with only one employee. So, if you’re an…

Technology Errors and Omissions Insurance (also known as Tech E&O, Technology Professional Liability Insurance and Technology Service Liability Insurance), is a relatively new line of coverage used primarily as technology companies’ first line of defense in the event their product or service fails.  

Many new businesses starting out today are either creating cutting edge technology or are using technology to deliver a product or service in a more efficient and profitable manner.  And with cloud-based systems, virtual accountants, and teleworking, the cost to start a new company is lower than ever.  However, as a new business gets off the ground and…

As a small business owner myself, I understand the risks of starting a company, going without a paycheck, and potentially losing everything.  Business owners are a highly motivated and tenacious breed of individual who have a hard time working 9 to 5 to fulfill someone else’s vision.  Taking steps to put in place protective measures that make sure you…