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One of the key components of a standard commercial general liability policy (CGL) is the contractual liability portion.  This is because businesses and organizations are likely to be sued for breach of contract at some point in time.  For instance, if a customer gets injured while inside or around your business premises and decides to sue for damages, someone will

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A small business, whether with one commercial vehicle or a large fleet, needs auto insurance to stay covered against accidents and collisions. This is because a single mishap can lead to expensive claims and settlements that could deplete their finances. With commercial auto insurance in place, you can protect both your business vehicles and employees from accidents and resulting liabilities.

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Different employers have different views on employee benefits. Larger firms tend to embrace benefits, whereas small businesses often do what they can to cut costs as much as possible. The question arises: does offering employee benefits make a difference for a small business? The simple answer is yes, but let’s find out the reasons. Top Reasons to Offer Employee Benefits

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Workers’ compensation insurance is a mandatory policy that all business owners are required to carry. There are exceptions to the rule, however. Workers’ comp insurance is valuable because it protects both the employer and the employee. It protects the employer by taking the threat of a lawsuit off the table. On the other hand, it protects the employee by paying

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It takes a lot for a business to succeed. Good marketing strategies, high-quality products, good location, and availability of finances are just some of the elements that should feature in a business’s strategic plan.  Importantly, proper execution of the said strategic plan is crucial. For example, for a marketing strategy to bear fruit, it starts with you choosing and implementing

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Accidents involving trailers while being towed by another vehicle are quite common and they cause extensive property damage and injuries when they collide with another vehicle or object. In such circumstances, the vehicle covered by business auto insurance protects the trailers too, but not in every situation/accident. Whether or not the insurance fully covers the trailers and resulting losses depends

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Workers’ compensation insurance has been created to provide employees who get injured on the job compensation for their medical bills and lost wages. Several different types of benefits are available to provide injured workers with the benefits they need to make it through a difficult time. Other types of injuries warrant different types of benefits. In some cases, a Workers’

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The reason it’s a good idea to buy health insurance is that a minimal monthly payment covers a wide variety of medical services. Without health coverage, you could end up owing a fortune when you need medical help. Here are essential points to know about health insurance. Health Insurance Begins on the Effective Date A health insurance plan takes effect

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The concept of vicarious liability in real estate is not widely discussed but is important when an individual represents another as a buyer or seller of property. It means a real estate broker or agent can be held responsible for actions when they misrepresent buyers or sellers. Here’s a closer look at what vicarious liability means in the real estate

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Business insurance frequently appears more complicated than personal insurance policies.  New business owners may find it difficult to comprehend the business insurance market and the available options.  Read on to learn about some of the most widespread myths concerning business insurance and the truth behind them. Myth 1: You don’t need business insurance for a small business Your risk exposure should

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