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Winter Weather Hazards and Your Business

Posted by Daniel Wilson on Feb 7, 2013 8:49:00 AM

As a business owner, you’re responsible for maintaining the main (usually front) customer parking and walking areas of your business, including fixing potholes and removing snow from sidewalks and parking lots. But what about the rear and side walkways and parking lots of your business? It’s been my experience that the rear and side lots and walkways, the ones commonly used by your employees, can potentially be where the most serious injuries occur and, therefore, have the most impact on your workers’ compensation insurance costs.

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Money and Securities Coverage for Your Small Business

Posted by Nick Listwan on Jan 4, 2013 8:09:00 AM

You just ended one of the most prosperous post-Christmas sales in your store’s history. As soon as you close, you’re heading to the bank to deposit the day’s receipts. But just as you’re locking up, an armed thief pushes his way into the store and demands that you turn over your cash. Weeks of hard work and thousands of dollars in sales walk out the door with him. And because you didn’t have Money and Securities coverage on your insurance policy, you’ll never see it again.

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New Year, New Opportunities

Posted by Brian Kiley on Dec 26, 2012 2:34:00 PM

The new year is a perfect time to review your commercial insurance policy to make sure you have the coverages you need at different times throughout the year. For example, you may have more inventory during the holidays, but if you don’t have a high enough limit on your Business Personal Property coverage, you may not have enough protection for these items if there’s a total loss.

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Tis the season for shoppers!

Posted by Brian Kiley on Dec 13, 2012 2:29:00 PM

It’s the most wonderful time of the year! For retailers that means the busiest season of all! Retailers, you know your foot traffic is off the charts right now. In addition to keeping the shelves stocked and the registers manned, good housekeeping will prevent trips/slips/falls on your premises.

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Business Autos Titled In A Personal Name

Posted by Brian Kiley on Nov 28, 2012 10:59:00 AM

As a small business owner, it would seem very probable that the autos you are using in your business are titled in your personal name.  If scheduled on a Commercial Auto policy, this may create a coverage gap for you in the event of an auto claim.  Depending upon the commercial auto symbols assigned to your policy, coverage may be limited to “owned autos”.  This would only include autos owned and titled in the business name if that business name is the only named insured on your policy.

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The Need for Water Back Up, Sump Pump Overflow Coverage

Posted by Nick Listwan on Oct 29, 2012 9:45:00 AM

It’s been raining for three days straight. You hear your sump pump running and breathe a sigh of relief. But what would you do if your sump pump failed or if water overflowed from the basement drain? It could damage your building, not to mention any valuable property you – or others! – own that’s stored in your basement.

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