Do I Need Business Insurance Coverage If I Am A Freelancer?
Posted: May 7, 2019
Do I Need Business Insurance Coverage If I Am A Freelancer?If you are a freelancer, you may think your business is too small to need insurance. The fact is that a business of any size can benefit from protection against mishaps. Our knowledgeable agency can help you design a business insurance package that provides the coverage you need at the best available rates. Why Freelancers Need Business Insurance If you are an independent contractor, or...
Common Exclusions To Business Interruption Insurance
Posted: April 15, 2019
Common Exclusions To Business Interruption InsuranceBusiness interruption insurance is designed to cover income lost when an event beyond your control forces you to close your business temporarily. This extra layer of protection goes beyond common business insurance policies. For example, if a fire in your office forces you to shut down temporarily, property insurance will cover the damage from the fire, but not the loss of income. The lost income...
Do I Need Product Liability Insurance On Top Of Business Owner’s Insurance?
Posted: March 15, 2019
Do I Need Product Liability Insurance On Top Of Business Owner’s Insurance?If your business manufactures, distributes, sells, or repairs products, you may need product liability insurance in addition to your business insurance. In fact, business partners throughout your supply chain may require a certificate of liability insurance as proof of adequate product liability coverage. Why Is Product Liability Coverage So Important? If your business provides products to customers, you need product liability insurance because product liability...
Can Workers’ Comp Cover Injuries Developed Over Many Years?
Posted: February 20, 2019
Can Workers’ Comp Cover Injuries Developed Over Many Years?Not all work-related injuries are caused by sudden accidents. Occupational diseases and cumulative trauma injuries can develop over time. Repetitive Stress Injuries If an employee is covered by workers' compensation insurance, he or she should be entitled to receive compensation for repetitive stress injuries caused by overuse across a long period of time. Back pain and carpal tunnel syndrome are examples of this type of...
Will Workers’ Comp Cover Employee Negligence?
Posted: January 31, 2019
Will Workers’ Comp Cover Employee Negligence?Workers' compensation insurance is designed to provide benefits to injured workers and to protect employers from injury lawsuits brought by employees. It pays for medical care, partially replaces lost wages during recovery from work-related injuries, and covers vocational rehabilitation for workers when needed. Generally, workers' compensation is a no-fault system that provides benefits for workers injured on the job, regardless of who was at fault....