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Category: Business Insurance

How Should I Budget for Business Insurance?

Your business insurance should cover every possible risk for your operation. It may surprise you that as a basic calculation, the entire range of business insurances, including commercial liability, commercial property insurance, health insurance for employees, workers’ compensation, and other insurances should be budgeted at about 20 to 30 percent of expected gross sales. Smaller businesses can expect to budget far less. Every industry, and...

How Small Businesses Can Avoid Insurance Mistakes

It takes hard work, dedication, creativity, and tenacity to get a small business up and running successfully, so it makes sense to have the right insurance coverage in place to protect it. In fact, purchasing business insurance may be one of the most important decisions you make. The right coverage can help prevent unforeseen events from ruining all you have worked so hard to build....

How To Control Workers' Compensation Costs

Workers' compensation has become a major contributing factor to the cost of business insurance. Premiums are high for many types of businesses, and the additional costs associated with employee injuries can be staggering. However, business owners are not as helpless as they may feel in controlling the cost of workers' compensation insurance. Our knowledgeable agency is available to assist with loss control in several different...

Commercial Insurance: Protection Against Lawsuits

If an unexpected accident takes place at your facility or office, or a lawsuit related to a product or service is filed against your business, the general liability insurance you have in place should cover your losses, including the legal costs involved in defending against it. A general business insurance policy should cover you against injury lawsuits, false or misleading advertising lawsuits, accusations of slander,...

The Basics of Builder's Risk Insurance

If you're building a new home or making extensive renovations on an existing structure, you'll need builder's risk insurance to cover the property during the course of construction. What is Builder’s Risk Insurance Builder’s risk insurance, also known as course of construction insurance, is a specially designed policy that provides coverage for commercial and residential buildings during the construction process, including ground-up projects and renovations....

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