Category Archives: Small Business Owner

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

Buying General Liability Insurance

Posted on December 2, 2011 by Renee Darata Leave a comment

Let’s say you decide to start a business. You shop for office space and get ready to sign a lease.  The building owner, or Property Management Company wants you to provide General Liability Insurance.  You will need to consult with … Continue reading →

Business, Liability Insurance, Proof of Insurance, Small Business Owner ,

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 , , , ,

Recent Winter Storms can Sideline a Business

Posted on February 14, 2011 by Renee Darata Leave a comment

Many business owners look at the bottom line and buy the cheapest insurance.  Then Mother Nature throws them a curveball. Business Owners with business income coverage (without a waiting period) would be able to receive income even though they are … Continue reading →

Business, Business Income, Liabilty Insurance, Small Business Owner , , ,

Why Should I Buy Landlord Insurance?

Posted on December 14, 2009 by Renee Darata Leave a comment

Whether  you own a single family home or a duplex, you need to insure the property differently than you would an owner occupied home. A Landlord policy insures the structure, usually includes a minimal amount of personal property coverage, (covering … Continue reading →

blogs, Business, Landlord Insurance, Renters Insurance, Small Business Owner ,

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 , , ,

How to buy small business liability insurance

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

When a tenant signs a lease for office/retail space, there is an immediate need for general liability insurance as the landlord requires it in their lease. Many new small business owners have never purchased business liability insurance before. There are … Continue reading →

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