Blog Page 10

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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
17 minute read
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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
14 minute read
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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
7 minute read
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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
9 minute read
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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
7 minute read
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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
15 minute read
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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
13 minute read
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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
11 minute read
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.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
7 minute read
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. 

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
6 minute read