No doubt, as a business owner, the subject of cybersecurity, cyber defense, and cyber liability insurance has surfaced in your world frequently over the past months and years. The urgency has escalated with daily reports of company hacks, regulatory fines, and looming government regulations. Understanding the Business ImpactThe evolving risk landscape prompts businesses to reassess […]

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When starting a business, one of the first considerations should be taking out the appropriate insurance policies to protect your company from any potential disasters. Thankfully, there are different types of policies that will cover different areas of your company ensuring you’re protected from any unforeseen events. However, with so many types of insurance policies […]

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If you are thinking about starting your own business, one of the most important financial decisions you will make is choosing the type of insurance coverage you need. Business owners’ policies (BOPs) offer a comprehensive package that covers many areas of risk management. But not all BOPs are created equal; price is just one factor […]

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Unfortunately, you can’t go back and “backdate” an insurance claim if you didn’t have coverage when the loss happened. Backdating a property or liability claim means that the insured is claiming losses that happened prior to when the policy went into effect. However, there are types of policies that you may qualify for to get […]

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An excess and surplus lines insurance policy is a type of insurance policy generally used to insure someone or something that has been declined by standard insurance carriers. Excess and surplus lines insurance policies are not regulated in the same way by state insurance departments. An excess and surplus lines policy is a type of […]

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Your business is a lot of things. It’s your livelihood, your passion, and your life’s work. Business interruption insurance is insurance that provides financial protection for businesses when things go wrong. Business interruption insurance covers losses resulting from a disruption in your business operations. This kind of insurance is often purchased by larger companies, but […]

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Are you wondering if you need an umbrella policy for your LLC? What Is Umbrella Insurance? An umbrella policy is an insurance policy designed to extend the liability coverage provided by a standard commercial policy (e.g. your business insurance). Businesses can benefit from having an umbrella policy to cover them in case of a lawsuit. […]

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Finding the right insurance for your business is hard. In fact, it can be a full-time job looking at all of your different options and getting quotes. But with bigger insurers comes bigger price tags – and small businesses may not have the budgets of their corporate rivals. Everyone deserves good insurance coverage; here are […]

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Home-based businesses are ones that operate out of the home in which the person or family actually lives. Home-based businesses are on the rise these days with new entrepreneurs joining the market every day. But there is an increased risk associated with a home-based business. After all, your home is not just a place to […]

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Business owners’ policy (BOP) and general liability insurance (GL) are both forms of insurance that protect businesses against a number of losses. However, they offer different types of coverage and can have different price points. The specific coverages covered by these two policies differ, but they also share some comparable coverages. It is important to […]

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