For small business owners, navigating the complexities of business insurance can often seem daunting yet is undeniably crucial. Effective insurance not only guards against unforeseen financial losses but also provides a foundation for stability and growth.

Understanding the process of acquiring workers' compensation insurance is crucial. This insurance provides essential benefits for employees who suffer job-related injuries or illnesses and is typically considered a mandatory business insurance in most states.

Surety bonds play a crucial role in various industries, providing financial protection and fostering trust among parties involved in a contract. Whether you're a contractor bidding for a construction project or a business owner looking to comply with licensing requirements, understanding surety bond insurance is essential.

As we welcome the new year, it’s a prime moment to set the stage for the months ahead, ensuring a secure and protected journey. Part of this preparation involves reviewing and fine-tuning your insurance plans. Conducting an insurance policy evaluation annually ensures you have adequate coverage without overpaying, including looking for ways to bundle insurance plans and policies for greater savings.

Professional liability insurance, also known as errors and omissions (E&O) insurance, is an important consideration for many professionals. This type of insurance provides protection against claims that your professional advice or services caused financial loss to a client. In this comprehensive guide, we’ll explore what professional liability insurance is, who needs it, its key benefits, and tips for getting adequate affordable coverage.

Delivery drivers who transport takeout food to restaurant customers must have direct contact with the public as part of the job. While this is a necessary component of being a delivery driver, it also increases the risk of becoming a victim of violence.

Slips, trips and falls are the most frequently occurring injuries to food service workers. More than 3 million food service workers are injured each year from slips, trips and falls in restaurants across the country, costing the hospitality industry over $2 billion annually, according to the National Floor Safety Institute.

When using bicycles to make food deliveries, it’s vital to prioritize your employees’ safety. After all, riding a bicycle on public roads—especially while transporting food—poses unique hazards. Failing to take sufficient precautions could lead to serious injuries or even death.

On Jan. 26, 2023, OSHA announced it issued new enforcement guidance making its penalties more effective to stop employers from repeatedly exposing workers to life-threatening hazards or failing to comply with workplace safety and health requirements.

Today’s society has become increasingly digital in nature, prompting businesses to leverage additional technology and online services in their operations. Specifically, some businesses have grown more reliant on the internet and social media platforms to market their products and services, allowing them to connect with a wider range of customers.

In the commercial property insurance space, rising inflation increases the risk of undervaluing property. A rise in building costs due to factors such as labor shortages, worker wage growth, supply chain disruptions and raw material price increases can increase the severity of a property insurance claim and create potential underinsurance issues for the policyholder.

Most people understand that insurance companies have a duty to reimburse insureds for commercial property damage not excluded by their policies. What’s lesser known is that if a loss does occur, insureds also have duties they owe to their insurance company. Many commercial property insurance policies include language detailing steps that must be taken following a loss.

The frequency and severity of active assailant attacks are on the rise, and they can have a significant financial impact on the owner of the premises or business where the event took place. As a result, organizations should safeguard against potential losses stemming from an active assailant attack by securing sufficient insurance.

Painters work on the interiors and exteriors of commercial and residential property and can also be tasked with wallpaper hangings. Since their work involves going to different job sites, operating at different heights and prepping surfaces, painters may be susceptible to a variety of liability issues.

A business owners policy (BOP) combines commercial general liability coverage with commercial property insurance for qualifying small and medium-sized companies. A BOP offers businesses the opportunity to get more affordable coverage to meet basic insurance needs.

The work of a plumbing contractor involves installing, maintaining and repairing water systems in residential and commercial structures. Appliances, water heaters, toilets and sprinkler systems must be included and taken care of in new and existing structures, making plumbers a necessity for these buildings’ functionality and longevity.