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Insurance Blog

How To Protect Your Small Business from a Data Breach

Data breaches are becoming increasingly more common, particularly for small businesses. Cyber attacks are a means for hackers to collect personal information for fraudulent purposes. Small businesses may have budget and staffing limitations that make them more vulnerable to attack. Fortunately, there are steps you can take to protect your company from a data breach. Understand How Data Breaches Occur Data breaches can happen in...

Business Income Coverage vs. Business Interruption Insurance: What's the Difference?

Protecting your business with insurance is essential. It starts with understanding what each type of business insurance covers. Business income coverage and business interruption insurance are terms often used interchangeably – but is there a difference? All business insurance policies vary in what they cover. You may have access to a policy that protects repairs to a facility, damaged inventory, and lost income, or you...

Do I Need Business Insurance for my LLC?

If you established a limited liability company (LLC), you chose that type of entity for the protection it provides to your personal assets, along with the tax benefits. Unfortunately, even an LLC cannot entirely protect you from some risks. While your personal assets are generally protected, in certain situations, you have almost zero protection. For example, without business insurance, a slip and fall injury accident...

Do I Need Commercial Property Insurance for A Shared Office?

If you work in a shared office space, it is essential to ensure you are protected against specific risks. If your business operates out of a coworking space, a commercial property insurance policy brings added protections. The office furniture and equipment owned by your business will be expensive to replace if a fire or other disaster occurs. Your commercial property insurance policy covers the cost...

What Does Commercial Umbrella Insurance Cover?

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business...