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Cover Image for Commercial Building Insurance In California: A Breakdown

Commercial Building Insurance In California: A Breakdown

Getting quality commercial building insurance in California can be tough, but it’s not impossible. Here’s what you need to know about the Golden State’s insurance market.

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Commercial Property Insurance In Texas

Commercial property insurance in Texas can be unique. Here’s what business owners in the state need to know to make sure they are properly covered.

Cover Image for Equipment Breakdown Insurance [The Ultimate Guide]

Equipment Breakdown Insurance [The Ultimate Guide]

Equipment breakdown insurance covers the repair or replacement of your tools, as well as other losses. Find out if you need this type of insurance.

Cover Image for Painting Contractor Liability Insurance: What Is It?

Painting Contractor Liability Insurance: What Is It?

Painting contractors often struggle to find quality insurance. From dealing with insurance companies that don't work with painters to issuing complex certificates of liability insurance to customers, it is critical to know what insurance coverage you need and to understand each policy's coverage.

Cover Image for Funeral Home Insurance Coverage [Explained]

Funeral Home Insurance Coverage [Explained]

Funeral home insurance is specialized to account for the delicate nature of these services. Learn what’s unique about this coverage and why you need it.

Cover Image for Workers Compensation Certificate Of Insurance: What Is it?

Workers Compensation Certificate Of Insurance: What Is it?

Workers comp is legally required for many businesses. Learn what a workers comp certificate of insurance is and why it’s so important to have.

Cover Image for The General Aggregate Limit - What Is It?

The General Aggregate Limit - What Is It?

The general aggregate is the maximum amount of money a liability insurance policy will pay in a given policy term. Read this article to learn everything you need to know.

Cover Image for Hiring A Contractor Checklist: 18 Key Things To Consider

Hiring A Contractor Checklist: 18 Key Things To Consider

There’s a lot to think about when it comes to starting a construction project. We created this handy checklist for hiring a contractor to help you make sense of it all.

Cover Image for Property Damage Insurance Claims Process: What To Expect

Property Damage Insurance Claims Process: What To Expect

Did something happen to your building that destroyed or marred the structure? Learn how the property damage insurance claims process works and what you can do to make it go smoothly.

Cover Image for Side A D&O Coverage: 6 Things You Should Know

Side A D&O Coverage: 6 Things You Should Know

Side A D&O Provides financial protection when a company cannot or will not indemnify the individual directors and officers, such as per a court order.

Cover Image for E&O Vs. D&O Insurance Coverage: What's The Difference?

E&O Vs. D&O Insurance Coverage: What's The Difference?

The difference between D&O and E&O insurance can be tricky to understand. From breaking down the definition of “wrongful acts” to reviewing the insuring agreement, we’re here to help.

Cover Image for Understanding Excavation Contractor Insurance

Understanding Excavation Contractor Insurance

Excavation contractor insurance is a must-have for anyone in this industry. Learn what types of coverage you need and how to get the best prices.

Cover Image for Locksmith Business Insurance (A Quick Breakdown)

Locksmith Business Insurance (A Quick Breakdown)

Locksmith insurance helps protect your business from financial and legal trouble. Learn why you need it, what’s covered, and how to get the best rates.

Cover Image for Business Insurance For Printing Companies [Explained]

Business Insurance For Printing Companies [Explained]

Printer insurance covers a variety of unique situations and helps protect your finances. Learn more about printers E&O, property insurance, and more.

Cover Image for What Is Errors And Omissions Insurance?

What Is Errors And Omissions Insurance?

Errors and omissions insurance (E&O; it’s also called professional liability insurance or professional indemnity insurance) addresses coverage gaps found on commercial general liability policies. These gaps often occur when professional services harm a client but do not cause bodily injury or property damage.

Cover Image for The Ultimate Guide to SaaS Business Insurance

The Ultimate Guide to SaaS Business Insurance

Do you need SaaS business insurance? Whether you’re a small start-up or a billion-dollar company, the answer is yes! Learn more here.

Cover Image for 7 Things to Know Before Purchasing Web Developer Insurance

7 Things to Know Before Purchasing Web Developer Insurance

Both freelancers and small businesses need protection from mistakes and claims. Here’s what to know when purchasing software or web developer insurance.

Cover Image for What You Need To Know About Marketing Agency Insurance

What You Need To Know About Marketing Agency Insurance

Do you need marketing agency insurance? Whether you’re a sole proprietor or a multinational company, the answer is “yes.” Learn more about it here.

Cover Image for Woodworker Business Insurance - Choosing The Right Policies

Woodworker Business Insurance - Choosing The Right Policies

Having the right coverage is crucial for safeguarding woodworkers from the risks of the job. This cheat sheet on woodworker business insurance explains the policies you need and why.

Cover Image for How U.S. Inflation Is Impacting Commercial Insurance

How U.S. Inflation Is Impacting Commercial Insurance

It’s no secret that commercial insurance is getting more expensive. Here’s why, and how much to blame inflation.

Cover Image for Defamation Insurance For Businesses - Explained

Defamation Insurance For Businesses - Explained

There is a section in the commercial general liability policy that covers defamation for businesses. Here is everything you need to know about it.

Cover Image for 4 Benefits Of Cyber Liability Insurance & Why You Need It

4 Benefits Of Cyber Liability Insurance & Why You Need It

Most business owners don’t think about hackers when they list their biggest worries, but maybe they should. Here are the top benefits of cyber insurance.

Cover Image for Property Managers Errors & Omissions (E&O) Insurance: A Guide

Property Managers Errors & Omissions (E&O) Insurance: A Guide

Real estate is one of the largest investments an individual or business might have. Making a mistake that causes a loss for your client could easily result in legal action against you. Here are some mistakes that the property managers E&O policy can cover.

Cover Image for The Ultimate Guide To Business Consultant Insurance

The Ultimate Guide To Business Consultant Insurance

What types of business consultant insurance do you need? Learn about the most essential coverages and get tips for finding the right policy.

Cover Image for Framing Contractor Insurance: What Should You Know?

Framing Contractor Insurance: What Should You Know?

All framers need to have comprehensive framing contractor insurance. Learn more about what you need and why, plus how to get the best policy for your business.

Cover Image for Concrete Contractor Insurance: What You Need To Know

Concrete Contractor Insurance: What You Need To Know

Do you need concrete contractor insurance? The answer is yes! Learn why you need this coverage and how to find the best policies for your business.

Cover Image for Commercial Package Policy (CPP) - What Does It Consist Of?

Commercial Package Policy (CPP) - What Does It Consist Of?

A commercial package policy (CPP) is an insurance policy that combines commercial general liability and commercial property insurance. A CPP lowers costs, broadens coverage, and simplifies the buying process.

Cover Image for ACORD 126: Everything You Need To Know

ACORD 126: Everything You Need To Know

The ACORD 126 form serves three purposes; to collect, verify, and update information pertinent to your commercial general liability insurance policy.

Cover Image for Commercial Insurance Claims: 5 Most Common Examples

Commercial Insurance Claims: 5 Most Common Examples

Need to file a commercial insurance claim? Learn about the process, common examples of claims, and what you can do if your claim is denied.

Cover Image for Common Subcontractor Insurance Requirements

Common Subcontractor Insurance Requirements

General contractors often have unique and specific subcontractor insurance requirements. Learn about what to expect and why it’s important to work with an expert.

Cover Image for Understanding Subcontractor Insurance - What You Should Know

Understanding Subcontractor Insurance - What You Should Know

What subcontractor insurance do you need, and why? Discover five essential coverages and learn how the right insurance benefits your business.

Cover Image for Builders Risk Insurance: The Ultimate Guide

Builders Risk Insurance: The Ultimate Guide

A builders risk insurance policy is designed to provide coverage for buildings and structures during the course of construction or renovation. Learn more here.

Cover Image for What Is a Monoline Policy?

What Is a Monoline Policy?

A monoline insurance policy is a term that refers to a stand-alone insurance policy that provides coverage for a risk that is typically included under a package policy or a business owners policy. A monoline policy also refers to insurance policies that do not have a "supporting line" by the same insurance carrier. For example, a commercial excess liability policy is not usually bundled in with other coverages. However, it would be considered a monoline policy if the insurance company that underwrites your general liability is different than the insurance company that underwrites the excess general liability.

Cover Image for Buying Contractor Insurance Online [Ultimate Buyer's Guide]

Buying Contractor Insurance Online [Ultimate Buyer's Guide]

Understand the pros and cons of buying contractor insurance online and how tech-savvy agencies combine the best of two worlds.

Cover Image for How To Verify Contractors Before Hiring: 5 Simple Steps

How To Verify Contractors Before Hiring: 5 Simple Steps

Need to hire a contractor? Learn how to verify a contractor’s license, check references, and draw up a contract that will protect your business.

Cover Image for What To Do When a Contractor Does Poor Work

What To Do When a Contractor Does Poor Work

When you need to hire a contractor for your business, they don’t always do a good job. Learn your rights and what to do when a contractor does poor work.

Cover Image for What Is The Cheapest Contractor Insurance?

What Is The Cheapest Contractor Insurance?

Finding the cheapest contractor insurance isn't as straightforward as one might think, especially in the construction trades. Here are our tips and tricks to help you find the best deal.

Cover Image for Do 1099 Employees Need Workers Compensation?

Do 1099 Employees Need Workers Compensation?

Does an employer have any responsibility to provide workers compensation to a 1099 contractor? Does a 1099 contractor need to provide workers compensation to themselves. even though they don’t have employees? The answer to both questions is yes, and we’ll explain why.

Cover Image for General Liability Insurance: Everything You Should Know

General Liability Insurance: Everything You Should Know

The commercial general liability (CGL) insurance policy is one of the most common business insurance policies in America. This broad coverage insures businesses against most third-party property damage or bodily injury claims. Although there are a variety of commercial general liability coverage forms, the most common is the “CG0001 - Commercial General Liability Coverage Form.” Today we will review this form and explain how most insurance policies are put together.

Cover Image for What Is Commercial Insurance? An Introduction

What Is Commercial Insurance? An Introduction

Commercial insurance can seem complicated. There are virtually unlimited options for you to purchase or not purchase. Knowing the basics with some commercial insurance 101 knowledge can help you manage your business risk, while helping you save money on coverage that you may not really need.

Cover Image for 6 Common Errors And Omissions Claims Examples

6 Common Errors And Omissions Claims Examples

Professional service providers often have more legal exposure to risk than they realize. A screw up or failure, no matter how unintentional, can have major consequences for even the most respected firms and expert consultants.

Cover Image for Breach Of Construction Contract: What Happens Next?

Breach Of Construction Contract: What Happens Next?

A contract will be written and include signatures from both sides with details regarding what both parties’ obligations are. If the person performing the work doesn’t meet these requirements, they are in breach of contract. Once this happens, there are a few different ways the dispute can be resolved. Here is what you need to know.

Cover Image for Property Investor Insurance: What Coverage Do You Need

Property Investor Insurance: What Coverage Do You Need

Whether you have 50 or 500 properties, each building in your portfolio needs to be protected from loss and damage. This extensive guide will explain all the different types of property investor insurance and what coverages might be best for your business.

Cover Image for What Is Mediation?

What Is Mediation?

Mediation can offer a faster and more cost-effective alternative to civil trials. Through the help of an unbiased mediator, both parties can negotiate a mutually agreeable outcome. Here is what you should know about mediation.

Cover Image for What Is Ordinance And Law Insurance Coverage?

What Is Ordinance And Law Insurance Coverage?

Commercial property insurance covers the replacement or repair of your building using similar materials and construction methods. However, what happens if your building requires upgrades due to local building codes and requirements while it is being repaired? Ordinance and Law coverage can help pay for these upgrades should such a situation arise.

Cover Image for What is Contractor’s Tools & Equipment Coverage?

What is Contractor’s Tools & Equipment Coverage?

The Contractors Tools & Equipment insurance policy is designed to provide coverage for a contractor’s equipment, tools, and machinery, wherever you may take them.

Cover Image for What is an Insurance Exclusion?

What is an Insurance Exclusion?

Insurance exclusions limit the type or amount of coverage you receive through your insurance policy. Here is everything you need to know about exclusions.

Cover Image for How Do I Protect Against Personal Injury Liability?

How Do I Protect Against Personal Injury Liability?

How can you protect your business to ensure one bad lawsuit doesn’t leave you bankrupt? Here are the answers to those questions and more of what you need to know if you find yourself in this situation.

Cover Image for How Much Does Business Insurance Cost Per Month?

How Much Does Business Insurance Cost Per Month?

“How much does business insurance cost per month?” The answer is complicated—it depends on the business, industry, types of coverage, and more. Here is what you should know.

Cover Image for Welding Insurance Coverage For Your Business

Welding Insurance Coverage For Your Business

From oil pipelines to aviation, welders have their hands in a lot of industries – and with that comes substantial risk. As a welder, it is important to know what your insurance policy covers. But more importantly, you should know what isn’t covered. Welding insurance coverage is notorious for having limited options and policies with a lot of exclusions.

Cover Image for Understanding Machine Shop Business Insurance

Understanding Machine Shop Business Insurance

Running a machine shop has its challenges. For many owners and executives, finding quality insurance can be one of them. Here are the coverages you need and the best way to find insurance for your business.

Cover Image for What Is A Certificate Of Liability Insurance (COI)?

What Is A Certificate Of Liability Insurance (COI)?

A certificate of liability insurance is proof that you possess liability insurance coverage. This document describes the types of liability coverage you have; it also details the coverage and provides information about the insurance company issuing the coverage.

Cover Image for A Guide To Contractor Insurance in 2023

A Guide To Contractor Insurance in 2023

In construction, no two contractors have the same insurance policy. It is essential that you know the basics of what you have and what you might need in the future.

Cover Image for What Insurance Policies Protect You From Legal Liability?

What Insurance Policies Protect You From Legal Liability?

Even if you take every possible precaution with your business, you can still find yourself on the wrong end of a costly lawsuit. The best way to protect yourself and your business from the most devastating legal liability is to identify your greatest risks in your business, and purchase an insurance policy that will cover those exposures.

Cover Image for Are General Contractors Responsible For Subcontractors?

Are General Contractors Responsible For Subcontractors?

In short, general contractors are responsible subcontractors in both a professional and legal sense—and that working relationship will often link their fates in the case of a lawsuit. If you’re worried about the risks that implies, there are ways to protect yourself, whether you are the general contractor or subcontractor.

Cover Image for Subcontractor vs. Independent Contractor: What To Know

Subcontractor vs. Independent Contractor: What To Know

The terms subcontractor and independent contractor are often confused or misused. To protect yourself and your business from risk, it’s important to know the key differences and how your dealings with each should be structured.

Cover Image for What Insurance Do Grocery Stores Need?

What Insurance Do Grocery Stores Need?

Grocery store owners have to deal with more claims than most other business owners—it’s simply a part of their day-to-day. You need insurance to cover the various liability claims that happen in your store and protect the large investment you have in inventory.

Cover Image for Independent Contractor Agreement Sample + 3 Things To Keep In Mind

Independent Contractor Agreement Sample + 3 Things To Keep In Mind

Hiring independent contractors is a popular way to do business. It is important to establish a contractual relationship with you 1099s to clarify their responsibilities and lower the risks of hiring them to work with you.

Cover Image for A Guide To Apartment Building Insurance

A Guide To Apartment Building Insurance

The point is that having a group of people living in your building poses a legal liability risk and a significant risk to the building itself. Here is what you need to know about the insurance policies that apartment building owners need.

Cover Image for Legal Liability: What It Means & How It Works

Legal Liability: What It Means & How It Works

You are deemed to be “legally liable” when you lose a civil court case to another individual, and the court determines you owe that person compensation. Here is what you need to know and how to protect yourself.

Cover Image for Landscaping Contractor Insurance: 5 Coverages You Need

Landscaping Contractor Insurance: 5 Coverages You Need

Landscaping contractors have unique risks in the construction industry, but these risks are very manageable with the right insurance policies. Get an online quote or call one of our advisors.

Cover Image for Commercial Real Estate Insurance: 6 Property Coverages You Need

Commercial Real Estate Insurance: 6 Property Coverages You Need

A well-thought-out insurance policy can protect your professional and personal investment in the buildings that you own. Here are the most important things to know about insurance coverage for commercial real estate property owners.

Cover Image for What is Negligence? (And How It Works)

What is Negligence? (And How It Works)

Negligence is accidental harm that arises due to a failure on your part to prevent the harm. Negligence is made up of four legal elements: duty, breach, causation, and harm. Unlike with criminal acts or intentional torts (such as assault and battery or false imprisonment), you don’t intend to commit a negligent act. 

Cover Image for Coffee Shop Insurance: What Do You Need?

Coffee Shop Insurance: What Do You Need?

A guide to what insurance coffee shop owners need. For a quick coffee shop quote, you can get an instant rate online through our website, or if you are looking for advice from an expert, you can give us a call anytime.

Cover Image for What Insurance Coverages Do Commercial Landlords Need?

What Insurance Coverages Do Commercial Landlords Need?

Landlord insurance policies, commonly called lessors risk policies, provide liability and property coverage for building owners who lease part or all of a building they own. Here is what you need to know about the insurance coverage needed to protect yourself.

Cover Image for Surety Bonds Vs Insurance - What's The Difference?

Surety Bonds Vs Insurance - What's The Difference?

Although they have some similarities, insurance and surety bonds are two distinctly different types of financial products that have completely different uses. Here is the different between surety bonds vs. insurance and why you might need both

Cover Image for Heavy Equipment Insurance: How Much Does It Cost?

Heavy Equipment Insurance: How Much Does It Cost?

If you are a contractor, chances are you have equipment you will need to insure—either to protect your investment or to comply with certain loan requirements. We’re here to help, so give us a call if you have any questions or are looking for a heavy equipment insurance quote.

Cover Image for When Should You Hire A Carpenter Vs A General Contractor

When Should You Hire A Carpenter Vs A General Contractor

Knowing which contractor to hire means understanding the difference between general contractors and carpenters.

Cover Image for Ecommerce Business Insurance: What Coverages You Need

Ecommerce Business Insurance: What Coverages You Need

A guide to what insurance coverage ecommerce businesses need.

Cover Image for Retail Business Insurance: What Coverages Do You Need?

Retail Business Insurance: What Coverages Do You Need?

Retail businesses face unique risks. They don’t just have a lot of foot traffic coming through stores; they might also have large amounts of money tied up in inventory or various properties sitting on the premises or in a warehouse. Here is everything you need to know about your retail business insurance.

Cover Image for Finding The Best Contractor Insurance: 4 Key Tips

Finding The Best Contractor Insurance: 4 Key Tips

4 tips to help you find the best contractor insurance for your business.

Cover Image for How Much Does Independent Contractor Insurance Cost?

How Much Does Independent Contractor Insurance Cost?

About 1 in every 10 U.S. workers is an independent contractor, and outsourcing to these professionals is now considered a mainstream way for companies to acquire labor for their various projects or operational needs. Here is what you need to know about independent contractor insurance and how much it costs.

Cover Image for Hiring Roofing Subcontractors For Your Business: 4 Key Tips

Hiring Roofing Subcontractors For Your Business: 4 Key Tips

If you are a general contractor, roofer, or even a home remodeler, there might be times when you need to hire a roofing subcontractor to assist you on a project. Here are four tips to use when hiring a roofing subcontractor.

Cover Image for What is Kidnap and Ransom (K&R) Insurance?

What is Kidnap and Ransom (K&R) Insurance?

A kidnapping and ransom insurance policy is a much needed insurance policy for individuals or companies that are subject to kidnapping risk. Not only will this policy help you pay for a kidnapping ransom, but they will also assist you with an expert team to help you negotiate the release of your employee or loved one.

Cover Image for Subcontractor Agreements: 5 Things You Need To Know

Subcontractor Agreements: 5 Things You Need To Know

Subcontractor agreements can be difficult to put together on your own. Between a hold harmless agreement and the detailed insurance requirements, it is easy to overlook something that could be vital. Here are the top five things you can expect to see in almost every subcontractor agreement. 

Cover Image for Mason Business Insurance: What You Should Know

Mason Business Insurance: What You Should Know

Instant & low-cost quotes for mason general liability, commercial auto, and workers compensation business insurance.

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Small Business Insurance Quote Online

Quick & simple online business insurance quotes from a leading insurance provider.

Cover Image for Commercial Property Insurance: The Ultimate Guide

Commercial Property Insurance: The Ultimate Guide

Businesses of all sizes and industries purchase commercial property insurance to cover their building and building contents. Here is everything you need to know about the coverage property insurance policy and our recommendations on how to get the best coverage for your business.

Cover Image for Can You Tell An Independent Contractor When To Work? (Explained)

Can You Tell An Independent Contractor When To Work? (Explained)

There are certain laws you need to know when dealing with independent contractors. You can only exert a certain amount of control over independent contractors before they become employees by law.

Cover Image for Electrical Contractor Insurance: What You Should Know

Electrical Contractor Insurance: What You Should Know

LandesBlosch has been insuring contractors since 1922. Get an instant quote online from 10 leading insurance companies.

Cover Image for When Is Workers Compensation Not Required For Employees?

When Is Workers Compensation Not Required For Employees?

In most states, workers compensation insurance (workers comp) is legally required. However, depending on your state laws, some types of employees are exempt from needing workers comp, and employers therefore do not have to provide workers comp insurance to them.

Cover Image for Workers Compensation Insurance: The Ultimate Guide

Workers Compensation Insurance: The Ultimate Guide

While workers comp provides both the employee and employer with certain protections, it comes with a set of guidelines and standards the employer must follow to ensure compliance with the law. Here is everything you should know about workers compensation insurance.

Cover Image for Dental Office Business Insurance: What You Need To Know

Dental Office Business Insurance: What You Need To Know

As healthcare providers, dentists need to make sure they have quality insurance from an experienced insurance company to protect their practice in the event of a lawsuit or loss.

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Best Insurance Brokers In Tulsa, OK

Business insurance in Tulsa, Oklahoma. Get a quote online or give us a call.

Cover Image for Is My Oklahoma Independent Contractor Actually an Independent Contractor?

Is My Oklahoma Independent Contractor Actually an Independent Contractor?

An independent contractor is not determined by the title the business gives them, but rather a distinct set of standards set by Oklahoma law.

Cover Image for Professional Liability Insurance For Consultants - Explained

Professional Liability Insurance For Consultants - Explained

Everything you need to know about professional liability insurance for consultants and consulting companies.

Cover Image for The Ultimate Guide To Hotel Insurance: What You Should Know

The Ultimate Guide To Hotel Insurance: What You Should Know

What hotel owners need to know about options for hotel insurance, requirements for coverage,  and how to get the best deal in the market.

Cover Image for A Guide To Commercial Landlord Insurance: What To Know

A Guide To Commercial Landlord Insurance: What To Know

Although some rate increases are unavoidable, you can mitigate many large renewal increases with a little knowledge of how your insurance policies work, and an understanding of what underwriters are looking for. Here is what you need to know.

Cover Image for How Does Public Liability Insurance Work?

How Does Public Liability Insurance Work?

Public liability insurance is a portion of the CGL policy that protects you from third-party claims that originate from an injury on your property. If a member of the public is injured while on your property, this policy would help cover the costs you would incur from that injury. This policy protects against premises liability claims.

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E&O Insurance Quotes

E&O insurance protects your business from lawsuits arising from the services or advice you gave that negatively impacted your clients. Get an online quote today.

Cover Image for Civil Engineering Errors & Omissions (E&O) Insurance - Explained

Civil Engineering Errors & Omissions (E&O) Insurance - Explained

Civil engineering errors and omissions insurance is critical to protect your firm from lawsuits that arise due to mistakes in your work or services. If you are looking for more information on an E&O policy or need a quote, give our team a call or get started online.

Cover Image for Top 5 Types Of Construction Insurance To Protect Your Business

Top 5 Types Of Construction Insurance To Protect Your Business

There are basic insurance policies that almost every construction company will need, whether it’s in the beginning stages of growth or running a nationwide operation. Here are the five essential types of construction insurance to protect your business:

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Nail Salon Business Insurance

Quick and simple business insurance quotes for nail salons and self-employed nail technicians.

Cover Image for Cyber Insurance Coverage Checklist: 5 Key Things To Look For

Cyber Insurance Coverage Checklist: 5 Key Things To Look For

Cyber insurance is a necessary coverage for many businesses that operate digitally or store sensitive information on their network systems. Here are the five questions to ask when looking for cyber insurance coverage.

Cover Image for Commercial Crime Insurance Coverage: The Ultimate Guide

Commercial Crime Insurance Coverage: The Ultimate Guide

Did you know that money and securities are excluded in a standard commercial property insurance policy? This means your business wouldn’t be covered if certain criminal behavior resulted in a loss of money or securities. The good news is that there’s another type of policy that can protect you in this situation. Here is what you need to know about commercial crime insurance.

Cover Image for CGL Exclusions: The Ultimate Guide

CGL Exclusions: The Ultimate Guide

A commercial general liability policy is designed to cover all bodily injury or property damage. However, there are many exclusions that limit this coverage, and it no longer encompasses all property damage and bodily injury that may arise from your business. It is important to be familiar with the exclusions that apply to your business so you can find an additional policy to cover any gaps in your CGL coverage.

Cover Image for Self Employed Tradesman Insurance - What Is it?

Self Employed Tradesman Insurance - What Is it?

When talking about construction, we often think about large construction companies building huge buildings or stadiums, yet over 23% of construction workers are self-employed. Tradesmen have a variety of different needs for insurance. We recommend talking to a reputable insurance broker that can let you know what coverages they recommend for the jobs you are taking.

Cover Image for Roofing Business Insurance: Everything You Need To Know

Roofing Business Insurance: Everything You Need To Know

Insurance is a struggle for many roofing contractors. This is because the price of roofing insurance can be very high compared to other types of construction businesses, and the typical coverages can leave much to be desired. Here are some tips to help you save on premiums while getting the coverages you need.

Cover Image for Plumbing Business Insurance: Everything You Need To Know

Plumbing Business Insurance: Everything You Need To Know

Getting plumbing company insurance isn't always as easy as non-construction industries. Here are some tips to help you understand what you need and how you can get the best deal on plumbing insurance.

Cover Image for Business Insurance For Remodeling Companies - Explained

Business Insurance For Remodeling Companies - Explained

Remodeling contractors have incredibly diverse risks. That is also why remodeling contractors are far more difficult to insure with the right coverages and a fair price, compared to some of their trade contractor counterparts. Here are some of the problems remodeling contractors might face and how to address them.

Cover Image for Carpenters Insurance: Everything You Need To Know

Carpenters Insurance: Everything You Need To Know

For a carpentry business, the goal of insurance is to cover your liabilities for a good price and with the broadest, best protections. In addition to coverage considerations, you might have certain insurance requirements to meet before you can even get paid if you are working for a property manager or general contractor. In this article, we’ll help you work through these challenges so you can get the best value on your carpenter's business insurance.

Cover Image for HVAC Business Insurance: What You Need To Know

HVAC Business Insurance: What You Need To Know

HVAC contractors face a unique risk in the construction industry. Nearly every building in the United States has heat and air, and operations can range from small residential units to large industrial facilities with demanding needs. Mistakes happen. Even if you do everything perfectly, you can still get involved in a lawsuit or be accused of poor workmanship. And that's where HVAC business insurance comes in – to pay for these events so your business isn't negatively impacted.

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How Much Is A Business Insurance Policy?

Business insurance is a mechanism that allows you to pay a monthly or yearly premium, and in exchange, the insurance company assumes some of your business risks. Here is everything you need to know about how much a business insurance policy costs.

Cover Image for Understanding Commercial Flood Insurance - Do You Need It?

Understanding Commercial Flood Insurance - Do You Need It?

Flooding is the most common natural disaster in the United States. A single inch of floodwater can cause $25,000 in damage to even a modest-sized building. The problem is that flooding is not covered on a commercial property insurance policy. Here is everything you need to understand about commercial flood insurance.

Cover Image for What Do You Need To Get General Liability Insurance?

What Do You Need To Get General Liability Insurance?

Purchasing business insurance can feel a little confusing, especially if you are new to it. With a little preparation and research, you’ll have a better understanding of the policy and ultimately get a better price on your insurance.

Cover Image for Personal Use Of Company Vehicles: What To Know

Personal Use Of Company Vehicles: What To Know

Many companies are allowing their employees to drive business vehicles for personal use, whether it’s an owner driving to the store or an employee running an errand. Although it appears to be harmless, allowing company vehicles to be used for personal use opens up your business to a significant amount of legal risk. Your business could be on the hook financially and face damage to its reputation is certain actions occur, such as drinking and driving or a severe personal accident.

Cover Image for Construction Insurance: Everything You Need To Know

Construction Insurance: Everything You Need To Know

Everything you need to know about insuring your construction business.

Cover Image for What Is Completed Operations Liability Insurance?

What Is Completed Operations Liability Insurance?

Completed operations liability is an insurance coverage typically included on most commercial general liability (CGL) policies. It pays for damages caused by your work that occur after you complete a job. This coverage is most often utilized by construction companies.

Cover Image for Personal And Advertising Injury Coverage - Explained

Personal And Advertising Injury Coverage - Explained

Personal and advertising injury liability is important to most businesses. It can help you recover from mistakes you make in oral and published material, as well as some additional coverages such as false arrest and wrongful eviction.

Cover Image for Licensed, Bonded And Insured Business: What Does This Mean?

Licensed, Bonded And Insured Business: What Does This Mean?

Although “licensed, bonded, and insured” doesn't mean anything too specific, it does indicate that you can perform the work and that you are trustworthy. It also tells potential customers you have insurance to cover any accidents while performing the work.

Cover Image for Restaurant Insurance: A Guide For Small Business Owners

Restaurant Insurance: A Guide For Small Business Owners

Restaurant insurance is an important ingredient to any successful establishment. It allows you to pay a monthly premium so you don't have to prepare for an accident to harm your business. This insurance will also help you deal with these problems as they arise so that you can continue to spend your time running your business.

Cover Image for How Do You Compare Different Business Insurance Quotes?

How Do You Compare Different Business Insurance Quotes?

It is possible for one insurance company to be cheaper than another, but it’s important to understand why you’re getting that lower price. Sometimes you can run into a great deal on insurance, but other times that good deal turns sour when you dive deeper and see the problems.

Cover Image for Part Time Business Insurance - 5 Things To Know

Part Time Business Insurance - 5 Things To Know

A part-time business is a small business that doesn’t require the traditional 40-hour work week. Doing a business part time is a sensible option for many entrepreneurs who want to start a business, but want to lower the risk by keeping another job. The road to success isn't without its challenges, though. There are risks to owning and running a business that you need to be aware of.

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What Is EPLI Insurance?

As an employer, you have a tremendous responsibility. You are responsible for not only adhering to numerous laws, but also for handling extremely sensitive situations on a daily or weekly basis. But the fact remains, most employers aren't employment lawyers, and even if they were, it would be impossible to keep up with laws and run a business.

Cover Image for Directors and Officers (D&O) Insurance: An Overview

Directors and Officers (D&O) Insurance: An Overview

D&O insurance provides a great set of coverage that most organizations could greatly benefit from. Similar to how you purchase general liability insurance to protect your organization from liabilities, D&O insurance is protects the owners, executives, and leaders from the liabilities of running a business. 

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How To Find Cheap Workers Compensation Insurance In OK

Right now, workers compensation is one of the most competitive and desirable types of policies for insurance carriers. With the right knowledge and the right team, you can take advantage of the competitive marketplace to not only lower your workers compensation premiums, but possibly your other insurance policies.

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Manufacturers E&O: Everything You Need To Know

Being legally liable for financially harming a client because of a manufacturing error is a very real risk. You will most likely have to pay for the damages, but the commercial general liability policy will not help in either the defense costs or the settlement/judgement against you. That is where manufacturers E&O comes in.

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General Liability Vs. Errors & Omissions Insurance - Explained

When deciding on E&O vs. general liability insurance coverage, you need to take a deep dive into what your actual exposures are. Without doing so, you might risk either wasting your money or having a large risk that is not covered by your insurance program.

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Technology E&O Insurance: What Is It?

Technology Errors & Omissions (Tech E&O) is an insurance policy that protects you from liability when mistakes in your technology products or services cause financial harm to the customer, user, or others.

Cover Image for What Is A Cyber Insurance Policy: What You Need To Know

What Is A Cyber Insurance Policy: What You Need To Know

A cyber insurance policy provides financial protection from any actual or suspected data breaches or cyber-attacks that occur on your company's computer systems.

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Liquor Liability Insurance: Everything You Should Know

Liquor liability insurance is a commercial policy that pays for certain damages arising from selling, serving, or furnishing alcoholic beverages.

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5 Types Of Business Insurance Your Company Needs

Liabilities relating to property damage, injuries, lawsuits, weather events, and government fines can be a regular part of running a business. Insurance is a tool that transfers specific liabilities and risks from you to an insurance company in exchange for monthly or annual premium payments.

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Understanding Contractors Errors & Omissions (E&O) Insurance

Contractors errors and omissions insurance, also referred to as E&O insurance, protects trade contractors from damages arising out of faulty workmanship, limited design services, recall of their work, or use of defective materials.

Cover Image for Contractors Pollution Liability (CPL) - What To Know

Contractors Pollution Liability (CPL) - What To Know

Contractor’s pollution insurance pays for damages that you become legally obligated for as a result of a "pollution incident" arising out of your activities.

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Contractor Indemnity Insurance: Everything You Should Know

Contractor indemnity insurance (often called contractors professional indemnity insurance) is a professional liability policy. It’s often purchased by general contractors, design-build contractors, and construction managers purchase to cover their professional liability for design services or subcontracted design services on a construction project.

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Commercial Property Insurance: What Are The Average Costs?

Determining the cost of commercial property insurance can be extremely complex. To unravel the complexities of commercial property insurance rates, you first need to have an understanding of how pricing is determined.

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Oil & Gas Insurance: What Is It?

The U.S. oil and gas industry is responsible for nearly 10.3 million jobs and accounts for 8% of our national GDP. It has been a critical industry for many states for the last century. This industry is not without its risks. In fact, the oil and gas industry is one of the most dangerous when it comes to potential employee injuries and business liability. That is why a quality oil and gas insurance program is so important.

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Tail Insurance Coverage - What Is It?

“Tail coverage” is an optional insurance provision found on a claims-made policy. It allows the insured to report claims against a policy for a specified period after the policy has expired.

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Manufacturing Insurance: What You Need To Know

Manufacturing companies are an essential component of society. Every product has been designed and built to specifications. Whether you are manufacturing for the food, aviation, automotive, medical device, or even furniture industry - your product plays an essential role in people's lives. For this reason, manufacturing operations come with a lot of potential liability risks. These are all questions you should be asking yourself. These are also items that insurance can cover at a reasonable cost.

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What Is A Hammer Clause? (Definition & Examples)

Even though the hammer clause is just a small paragraph within an extensive insurance program, it can have a significant impact on your professional reputation and insurance coverage.

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Hiring a Contractor Without Insurance - What Are The Risks?

If you’re a homeowner, business owner, or real estate investor, your properties require maintenance. Roofs wear down, plumbing leaks, and sometimes you may want to remodel your space. In these cases, you will need to hire a contractor. Hiring a contractor with general liability, automobile, and workers compensation is a must. Without it, you could be held responsible for any injury or damage your contractor causes.

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Outside Directorship Liability Coverage - What Is It?

Outside Directorship Liability is insurance coverage on the Directors & Officers (D&O) Liability Policy. Its purpose is to extend coverage to certain additional organizations, usually non-profits, because an executive or officer of the insured company is serving on the outside organization’s board.

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Directors And Officers Insurance Claims For Nonprofits

As a director or officer of a nonprofit, you could be held personally liable for financial damages caused by you as a board member. Depending on the operation and size of the nonprofit, this could be the most significant financial risk that you have.  Nonprofit leaders are sometimes even held to the same standards as corporate executives and board members. No matter your qualifications or the duties you sign up for, your personal assets could be exposed to the liability of your organization.

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Finding Affordable Business Insurance In 6 Simple Steps

It is always smart to do your due diligence and make sure you are getting affordable business insurance that protects you. Here are six tips for finding cheap business insurance quotes.

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What Damages Are Covered By A CGL Policy?

A Commercial General Liability (CGL) insurance policy offers protection against a wide variety of risks. Its broad protections make it the foundation of almost every commercial risk management plan and the reason we recommend this policy to every company or organization.

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What Is Employee Dishonesty Coverage?

Did you know that the median loss per case of employee fraud is $125,000? Or that a typical fraud case lasts 14 months before detection and causes an average loss of $8,300 per month? There is an insurance policy to help guard your business against this, though: Employee Dishonesty Coverage.

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General Liability Vs. Professional Liability: Which To Choose?

General liability and professional liability (often referred to as professional indemnity or errors & omissions) are two common forms of insurance that work together, forming a comprehensive risk management solution for all types of businesses.

Cover Image for Contractor Umbrella Insurance - What To Know

Contractor Umbrella Insurance - What To Know

Construction and risk go hand in hand. Contractors are often required to lift heavy objects, operate large equipment, and work with high-voltage electricity to help build our homes, buildings, and infrastructures. There is no way to completely avoid these risks. You can protect yourself, though, and minimize the damage an accident can cause to both people and the company’s balance sheet. The best way to do this is to purchase a contractor umbrella insurance policy.

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Oklahoma Workers Compensation Insurance - Explained

Running a business with employees is a huge undertaking. In addition to developing a competitive product and winning business, you also have to manage people and deal with the regulations associated with having employees. It is a large responsibility, and not one you should take lightly. Once you become an employer, you have to start thinking like an employer. What if an employee gets hurt on the job? What are the workers comp laws in Oklahoma, anyway?

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4 Biggest Contractor Risks In Construction

Contractors face an incredible amount of risk every day. Operating heavy machinery, dealing with high-voltage wires, working from heights, handling hazardous materials such as asbestos…it is no wonder so many accidents happen. Here are some of the biggest contractor risks, as well as how to cover yourself during a potential event.

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Business Insurance In Oklahoma - The Ultimate Guide

Oklahoma is a unique state with many challenges. With a deep history in the oil and gas industry, a significant aerospace presence, and a considerable amount of tribal land, Oklahoma is a state diverse in risk and opportunity. Here are some things you should know before getting a quote for business insurance in Oklahoma.

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Understanding Business Catastrophe Liability

While insurance protects against events such as slip-and-falls, fender benders, and damage to a client's property, most business owners purchase liability insurance to protect themselves against catastrophic claims that would otherwise bankrupt their companies.

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How To Get Your Business Bonded And Insured

Purchasing commercial insurance is nothing like insuring your personal home or vehicle. Many businesses think they can give their agent or broker some information and receive a business insurance and bond quote within the same day. While this can be true for small, very low-risk businesses, this is not the case the majority of the time. Obtaining the coverage you need can be easy if you know the steps involved and you have a plan in place.

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Leased Equipment Insurance - What Is it?

The ability to rent equipment is an important tool that contractors use to win bids and grow their businesses. It is important to obtain the right coverage to cover your contractual obligations, as well as develop a good relationship with the equipment rental businesses.

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Swimming Pool Service Insurance: For Contractors

Swimming pool and spa contractors have a completely different set of risks than the general construction industry. Risks can arise from digging, experiencing adverse weather conditions, designing the drainage system, installing the product, or even spraying gunite. You also have to comply with strict regulations, such as the Americans With Disabilities Act (ADA) and the Virginia Graeme Baker Pool & Safety Act. There are an infinite number of things that could go wrong. By knowing what commercial swimming pool insurance you need to cover your risks, you can protect your business and its assets from potential accidents.

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What Are Commercial Insurance Endorsements?

A commercial insurance endorsement is a document attached to your insurance policy that adds, removes, or changes your coverage in some type or fashion. You must know the function of each endorsement on your policy (especially the bad ones) to know the parameters of the insurance coverage you purchase.

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Startup Business Insurance - Everything You Need To Know

Starting a business is challenging. It requires an incredible amount of dedication, work, and capital. It also demands trust, not only from future customers, but also from investors and employees. It is no secret that startups need some insurance to legitimize their business and to protect what they work so hard to build. Here is a short guide to what kind of startup business insurance you most likely need, as well as some tips to make your premium dollars work hard for your new company.

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Commercial Vs. Personal Auto Insurance - What's The Difference?

We frequently get calls from small business owners and independent contractors about commercial insurance vs. personal insurance, and what sort of policy they should go with. While it is true that a commercial auto insurance policy is better equipped to deal with the claims that arise from commercial use of a vehicle, it is also more expensive. With price being the obvious difference between the two, why would someone want to potentially pay more for a commercial auto policy?

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Top 4 Benefits of Commercial Insurance

From space shuttle launches to local restaurants, businesses in every industry utilize insurance to protect their investments and cash flow. Although the primary reasons to get commercial insurance depend on the values of each business, obtaining it is usually a wise decision overall. Here are the top four benefits of commercial insurance.

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Liability For Defects In Construction - Who Is Responsible?

A construction defect occurs when a portion or the entirety of a construction project fails to comply with the agreements laid out in the contract. In essence, liability for defects in construction contracts arises when the project doesn't perform the function it should or look the way the purchaser expected it to.

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Agreed Amount Endorsement - What Is It?

The agreed amount endorsement form, often known as the agreed value clause, is an endorsement added to a property policy when the insured and the insurer agree on the insurable value of a specific property. The insurance company then waives all coinsurance penalties and agrees to pay up to the full limit should a total loss happen.

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What Is A Business Owners Policy (BOP)?

Business owners policies are designed to accommodate small and low-risk businesses. These companies typically don't need a custom-built insurance program with specific limits for all coverages. It combines all the core coverages (property, general liability, business income) on a standardized form. A BOP also throws in additional coverages to help you fill common gaps.

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Top 3 Small Business Risks To Be Aware Of

There are many small business risks that you will face, some greater than others. Taking a proactive approach to managing these risks will reduce the severity of an event.

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3 Defective Product Examples Your Business Can Learn From

If you have a business that designs, manufactures, or constructs products, you are exposed to liability once the product is out on the market. Liability from a defective product can be huge and the financial costs of such a lawsuit could cripple almost any business.

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Religious Institution Insurance - An Overview

Religious institutions have risks unlike any other private or public institution. They are tasked with not only teaching their students or serving their community, but doing so while advancing their message.

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Insurance For Houses Of Worship - Explained

As a pastor or church administrator, you are not only tasked with leading your congregation; you also have to create a stable financial foundation for your ministry to thrive. That means making sure donations are coming in. It also means making sure those donations are used to serve the church. Purchasing a great insurance program doesn’t just free you from worrying about catastrophic losses. It also lets you use church resources the way they were intended instead of preparing for disaster.

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What Are SME Insurance Products?

There is a virtually unlimited number of different coverage options and combinations. However, there are some core coverages that every small and medium-sized business needs, no matter what industry they are in.

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What Is Excess And Surplus Insurance?

There are many differences between excess and surplus versus standard insurance companies – often referred to as non-admitted and admitted, respectively. The biggest difference, however, is the amount of regulation between them.

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What Is Food And Drink Insurance?

Running a restaurant or similar business is very complicated and comes with an incredible amount of responsibility. So how can your protect yourself? And what is food insurance? Food and drink industry insurance can help you manage this responsibility and protect your investments if an accident occurs. 

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Advantages And Disadvantages Of Usage-Based Insurance

Usage-based insurance (often called telematics-based insurance) is a growing feature of both personal auto and commercial auto insurance policies. It expands underwriting from the traditional metrics of age, gender, occupation, and financial information to also include a driving evaluation (performed by a GPS unit attached to your car). Should you try it?

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Commercial Insurance Renewal Process: An Overview

The commercial insurance renewal process will look significantly different for every business. Still, each renewal involves some common elements of exploring changes to your company and working with your broker to react to different market conditions.

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What Is Extra Expense Coverage?

Most business continuity insurance (also called business income insurance) involves extra expense insurance. This coverage can be found within the commercial property insurance policy and is triggered by a direct physical loss to either your business' contents or building. Extra expense coverage pays for actual, reasonable, and necessary operating expenses you incur during the period of restoration. The coverage specifies that payment is made only for expenses that would not have been incurred if there had been no damage.

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What Is Time Element Insurance Coverage?

Time element coverage insurance refers to claims of monetary loss due to the inability to use a property as a result of damage. The amount of money lost is directly correlated with the time your property cannot be used, hence the "time element."

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Business Interruption Insurance - What's Covered?

Business interruption insurance is the most important property insurance a small business can buy. In the event of a business interruption event, there are two important coverages that you will utilize: business income and extra expense. Each coverage plays a critical role in reopening your doors and keeping your business solvent during these hard (and expensive) times.

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What Is Excess Insurance?

The majority of business liability insurance policies come with liability limits of $1,000,000 per occurrence - but is this enough? $1,000,000 is not enough coverage for a business when the average business negligence lawsuit is $1.5 million, and the average product liability lawsuit is $7,000,000+. There is a way to cover yourself and your business, though..

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What Is Premises Liability Insurance?

If you have a business location, whether it be an office or a storefront, the chances are that you have some premises liability risk. From customers tripping in your parking lot to an item falling on a customer - things happen.. and they occur in unforeseen ways. The good news is that these unforeseen events don't have to keep you up at night. It is most likely covered under your commercial general liability (CGL) insurance policy.

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What is a Risk Management Consultant?

A risk management consultant is an advisor who helps organizations and individuals assess their risk and develop a plan to minimize their exposure to loss. A risk management consultant can help you prepare your organization from the damage any single adverse event could cause. Whether it is developing a strategy to avoid, mitigate, or transfer any risk; creating the plan, and implementing it is critical.

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Commercial Risk Management - Why Your Business Needs It

Commercial risk management is a strategy that organizations use to secure their assets, minimize liabilities, and protect the cash flow of their organization. A good risk commercial management plan will increase your business's stability and give you the tools to succeed in a marketplace that your competitors can't.

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Business Insurance Coverage - An Overview

Every business, large and small, has unique exposures to risks. Although there are many ways to handle your business vulnerabilities, the most popular method is through insurance contracts (known as "the transfer of risk"). If you don't know if you want to get insurance for particular business risks, ask yourself these questions.

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What Are Risk Mitigation Strategies?

As a business owner, you are surely aware of how your business runs and what goals you need to meet for your business to grow and thrive. But, have you considered how your risk mitigation plan and controls fit into your growth plan? Risk mitigation is critical to lowering your liabilities so that you can use your cash for what matters most -- growth.

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Workers Compensation Experience Modifiers: What You Need To Know

The workers compensation experience modifier can drastically affect the pricing of your insurance program. Here is what the experience modifier is, how it works, and how you can leverage it to benefit your business.

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Is Your Business Insurance Policy Ready For Tornado Season?

Spring is here and, for many, that means tornado season is in full swing. As a business owner, you need to know and understand the terms of your insurance before high winds or hail damage your property. Many different coverages could benefit your business, but below are the first things we look at and review when preparing our clients for the spring and summer weather.

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What Does Building Owner's Property Insurance Cover?

As an owner of revenue generating real estate, the chances are that you have significant assets tied up in the property. It is not only vital that you have property insurance but also have the right coverage for your building portfolio.

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The Importance of Liability Insurance for Residential and Commercial Landlords

The liability risks associated with owning leased real estate and apartments property can be enormous. Keeping up with activities of tenants, their guests, building maintenance, contractors, and building management is nearly impossible. Therefore, carrying general liability insurance on these properties is critical to your overall risk management strategy.  Not only does it protect you against a wide range of potential lawsuits, it even defends you against fraudulent claims.

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CG 2294 - The Subcontractor Exclusion

The subcontractor exclusion and why you should look out for it

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Telematics and Usage-Based Auto Insurance

Could telematics or usage-based insurance (UBI) prove to be an effective solution to lower business auto insurance rates?

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How to Incorporate Your Business in Oklahoma

Incorporating your business is a critical step in managing your risks. Here are 7 steps to incorporate your business in Oklahoma.

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LandesBlosch Honored With Legacy Award

Brotherhood Mutual honors Louis Blosch with Legacy Award at their 100th anniversary banquet.

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Do Independent Contractors Need Workers Compensation Insurance?

Different ways that independent contractors can handle their workers compensation requirements.

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What Does General Liability Insurance Cover?

Whether it be a slip and fall, your product harming someone, or even frivolous lawsuits; you need to know how your commercial liability insurance would respond.

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The Real Cyber Risk

If you are like most small to medium sized businesses in America, you do not have a team of cyber security experts on staff. Even though nothing can replace such a team, there are steps you can take to not become another headline.