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As your business begins to flourish you may see the need to take it to the next level. The simple business structure you started not too long ago has outgrown itself. You need more out of the current structure you have in place. It may be time for an entity change. This can cause you concern because you are unsure of how a change will affect your insurance. First, let us look at the reasons why yo

With over $20 billion in claims over the past 10 years, floods are the most costly natural disaster in the United States. Yet many real estate owners, from businesses to homeowners, often forgo the purchase of flood insurance when not required to by their mortgage company. Unless you live in a flood-prone area, the thought of your property flooding may not be top of mind. Unlike fires which can

Practically every business depends on equipment to keep their operations running and revenues flowing. Equipment breakdown coverage insures all kinds of equipment types. Most common breakdown exposures include air conditioning systems, elevators, point of sale equipment, and more. Coverage can also be purchased for more complex machinery such green energy and telecommunications equipment to genera

One of the most important coverages within your automobile insurance policy is for uninsured and underinsured motorist coverage. In the United States, it is estimated 12.5 percent of drivers are uninsured. This is in light of all states requiring at least a minimum amount of coverage. As a way for individuals and business owners to protect themselves from these risks, insurance companies offer

With an overactive hurricane season, 2017 brought devastation across the Gulf Coast and north along the Atlantic seaboard. The year saw a total of seventeen tropical storms, of which ten became hurricanes. Ending a 12-year span, where not one hurricane made landfall in the United States, hurricanes Harvey and Irma broke the streak and caused billions of dollars in property damage. They also lef

For millions of years, mold has been a part of the environment. As mankind became more civilized, people became more concerned about the possible negative health effects of living with mold. In fact, the Bible even references mold as being “unclean.” Although we have been exposed to mold from the very beginning, the financial impact of mold contamination has increased dramatically in recent

Every day, more and more employers are turning to independent contractors. The construction industry used to be the most common type of business where independent contractors were found. However, in today’s gig economy, nearly any aspect of one’s business can be outsourced. From marketing to management, the growth of the internet has allowed high-level activities, which used to require an o

Bars and restaurants are not the only businesses that need to be concerned about liability related to liquor exposures. Even if your organization is not in the “liquor business,” it isn’t unusual to have alcohol served at company functions. Guests who drink too much at your holiday party, open house, or summer picnic and later cause an accident, may leave you contending with a liquor liab

Late one Friday afternoon, John was wrapping up his week when he received an email from his boss. The email detailed that their most recent project was nearing completion and he provided account information for wiring payment to their contractor. Excited for tonight’s big game and not wanting to stay one minute longer than he had to, John went ahead and made the requested $16,000 transfer. Th

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