Insurance FAQ’s: Does my business insurance cover my employees when they are driving their personal car for work? Imagine: One of your employees is driving their personal car during work hours, running errands as part of their job. They get…
5 Common Small Business Cyber Attacks (and how to protect your business) Want to hear something scary? A cyber security attack happens every 20 seconds. Here’s something else scary: the average attack costs a business $200,000. If you’re like many…
Are you wondering how to fill out the business audit form? If you’ve received notice that your businses is being audited by your insurance carrier, you may have some questions. We are here to help! First thing’s first. Remember: An…
10 Tips for Preventing a Cyber Security Attack News of another huge cyber attack fill the headlines frequently these days. It seems more and more another huge corporation is hit with huge ransoms and halted business. But if you think…
Insurance FAQ’s: What should I know about Key Person Life Insurance? If you are a business owner, can you imagine what would happen if a vital person to the business were to pass away unexpectedly? How would this impact the…
Insurance FAQ’s: How should employers handle legalized marijuana with their employees? Currently, marijuana is legal in 39 states for medical use, and 18 states for recreational use. How does this affect you as an employer and how should you handle…
Insurance FAQ’s: How do I reduce my company’s Experience Modification Factor? Your Experience Modification Factor is (aka: a mod), is one of the most important factors in determining the cost of your workers compensation premium. If you need a refresher…
Insurance FAQ’s: What is an Experience Modification Factor? You may have heard of a mod in regards to your workers compensation insurance. But what is it really and how does it affect you? Let’s start with the definition of a…
Insurance FAQ’s: What is the difference between claims made and occurance coverage? The vast majority of business liability policies that we see are written on an “occurrence” basis. However, some of the specialty policies we write, such as Professional Liability…
Insurance FAQ’s: Should my partner and I combine our auto insurance policies? Once in a while we hear from couples (married or not) who want to keep their auto insurance policies separate for various reasons. However, as insurance advisors who…