Category Archives: General Liability

Small Business Insurance

Posted on January 26, 2012 by Renee Darata Leave a comment

Today I stopped by several dental offices.  Outwardly, they were very similar. Shining plaques outside the door with the dentist’s name engraved, waiting rooms  created by a professional designer, a reception counter where patients checked in, business cards on the counter, a … Continue reading →

Business, Business Income, General Liability, Health Insurance, Liability Insurance, Small Business Owner , , , , ,

Insurance Carriers Had Record Year For Weather Disasters

Posted on January 6, 2012 by Renee Darata Leave a comment

2011 saw twisters,snow, drought, flooding and wildfire disasters in the United States. 12 disasters that exceeded $52 billion dollars in damages. This is more weather catastrophes,(that each caused at least 1 billion dollars of damage),than the entire decade of 1980-1989. … Continue reading →

Business Income, General Liability, Homeowners Insurance, Liability Insurance, Small Business Owner, Uncategorized

Health Professionals-Setting up the Practice

Posted on November 15, 2011 by Renee Darata Leave a comment

The busy small business owner setting up their office gives little thought to insurance.  They may call around and get a few bids and then make a purchase. (maybe over the phone, with an out of state agency) Let’s compare this … Continue reading →

Business Income, General Liability, Liability Insurance, Small Business Owner , , , , ,

Small Business Liability-Why do I need it?

Posted on April 28, 2011 by Renee Darata Leave a comment

Small Business Liability Insurance protects a business from paying out of pocket on a negligent act. Take this case of insurance fraud. Carla Patterson, from Virginia, allegedly found a rodent in her soup while dining at a Cracker Barrel restaurant. … Continue reading →

Business, General Liability, Insurance Fraud, Liability Insurance, Small Business Owner , , , ,

Choosing a Business for a Home Repair

Posted on January 6, 2010 by Renee Darata Leave a comment

It’s a new year and you decided to remodel your kitchen, or replace your deck.  You’ve made some phone calls and are trying to decide who to hire for the job. First- Do they have General Liability Insurance?           What … Continue reading →

General Liability, Homeowners Insurance, Liability Insurance, Proof of Insurance , ,

Does a home based business need a small business insurance policy?

Posted on December 9, 2009 by Renee Darata Leave a comment

Most people do not understand the difference between personal insurance and business insurance.   A homeowners policy would not generally cover home-based business losses.  If you have a business with inventory, you are especially at risk for an uninsured loss.  A home based business … Continue reading →

blogs, Business, General Liability, Home based business, Liability Insurance, Small Business Owner , ,

When Catastrophe Strikes, Will Your Business Insurance Be Enough?

Posted on November 18, 2009 by Renee Darata Leave a comment

There are many coverages on a business policy.  Here we will take a look at a few of them: Business Income-reimbursement for lost income if you can’t operate your business due to a covered loss. Example: a 4 alarm fire … Continue reading →

blogs, Business, General Liability, Liability Insurance, Liabilty Insurance, Small Business Owner , , ,