How to Protect Your Commercial Property From Pranksters & Vandalism

How to Protect Your Commercial Property From Pranksters & Vandalism

Even if pranks don’t physically hurt anyone, they can still be quite costly. Several years ago in Nebraska, a prank caller phoned a national brand name hotel and caused them more than $100,000 in damages. The caller, acting as a hotel employee, convinced a guest to set off the sprinkler system after having said that a gas pipe had broken and the Read More

Should You Get Workers' Compensation Insurance?

Should You Get Workers’ Compensation Insurance?

Your Guide To Workers’ Compensation Insurance As a business owner, you are familiar with workers’ compensation coverage. Whether you carry it or not, you know that this type of protection can step in if an employee is injured on the job, covering the ensuing medical bills and lost wages. In short, it can protect your employee and your business, Read More

Paid Sick Leave & The Healthy Families Act of 2014

What The Healthy Families Act of 2014 Means For Paid Sick Leave As a business owner, you have probably always tried to toe the line between encouraging hard work from your team and giving each staff member the time they need to stay healthy. Determining how many sick days you should offer is a challenge for many business owners, but a recent Read More

Has Your Business Changed?

Has Your Business Changed?

To Stay Protected, Ask Yourself: Has Your Business Changed? As a business owner, you have invested countless hours and tireless energy into growing your business. At this point, you eat, sleep, and breathe your business. That means that some changes in your business might be difficult for you to notice without taking a step back. Unfortunately, Read More

Understanding A Reservation of Rights Letter

Understanding A Reservation of Rights Letter

It sounds like something straight from your worst nightmare as a business owner. Someone sues your business for an error or omission. No problem, right? Your errors and omissions insurance will protect your company.  Then, you receive a  Reservation of Rights (ROR) letter. What does this mean?  An ROR letter is simply your insurance provider’s Read More

Risk Management Procedures for California Businesses

Risk Management Procedures for California Businesses

Are You Properly Holding, Managing, & Disposing Of Personal Records? The manner in which your organization manages personal records is likely not a top priority to you; however, it will be once a lawsuit is initiated. If your company’s record keeping negligence allows for a client’s personal information to be released, you will likely be Read More

Tips for Managing Your Auditable Business Insurance Policies

Tips for Managing Your Auditable Business Insurance Policies

Unfortunately, many of us sign up for “buy now – pay later” systems on our purchases and fail to realize the consequences. Even if you could not be more pleased with your product, these unexpected charges and bills come as a surprise to many. Many business owners find themselves in a similar situation when it comes to their auditable insurance Read More