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Category Archives: Small Business Owner
Small Business Insurance
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
Insurance Carriers Had Record Year For Weather Disasters
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
Buying General Liability Insurance
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
Small Business Liability-Why do I need it?
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
Recent Winter Storms can Sideline a Business
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
Why Should I Buy Landlord Insurance?
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
Does a home based business need a small business insurance policy?
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
When Catastrophe Strikes, Will Your Business Insurance Be Enough?
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
How to buy small business liability insurance
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