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How to apply for the Restaurant Revitalization Fund

The Small Business Administration is accepting applications now. Your business could be eligible for up to $10 million in grant funding. As COVID-19 restrictions across the country begin to ease, restaurants, bars and foodservice businesses are finally starting to see signs of life after a devastating year. Food and beverage business owners will get some help with reopening from the $28.6 billion Restaurant Revitalization Fund (RRF).  Those who apply may be able to receive funding equal to their pandemic-related revenue loss up to $10 million per business, but no more than $5 million per physical location.  Grants can cover operational costs, including… Read More »How to apply for the Restaurant Revitalization Fund

Standard Flood Insurance Limitations

With the official start of the 2021 hurricane season rapidly approaching, flood insurance inquiries are surging in a red-hot real estate market. However, as many new and existing home and business owners gear up to shop for the policy that provides them the largest rate relief, it is imperative to understand the limitations of both standard NFIP flood insurance policies and many private flood insurance providers as well. Understanding these limitations and offering potential solutions to combatting out-of-pocket expenses will be key to retailers capitalizing on the flood insurance marketplace. Very few home/business owners realize their true flood risk, let… Read More »Standard Flood Insurance Limitations

What’s New with Employment Practices Liability

For the past 30 years, employment practices liability has tracked closely with changing social trends. Today, an employer’s risk of allegations by employees is heighted by both increased public intolerance for harassment and instant, worldwide distribution of news through social media. A Facebook post, Tweet or hashtag can quickly go viral, putting a company on the defense and creating potentially devastating consequences. EPL insurance is more important than ever in this environment. And it is incumbent on insurance professionals to understand the insurance marketplace so they can best help clients manage risk.

10 Surprising Things That Affect Your Home Insurance

Every homeowner hopes to never have to file a home insurance claim, but accidents do happen, and some factors increase the likelihood they will occur. Here are 10 surprising things that can affect the types of claims you might file and how much you pay for home insurance coverage. 1. Your Dog’s Breed Although your canine companion may be a much-loved member of your family, depending on its breed, you may have difficulty getting home insurance. Your homeowner insurance includes liability protection to help you if you are sued by someone whom your dog has bitten or attacked. However, many home insurance… Read More »10 Surprising Things That Affect Your Home Insurance

Independent Contractors – you need to know

Whether you’re self-employed or a business that’s looking to hire workers for projects, it’s important to understand who counts as an independent contractor. From there, you can determine if hiring them or establishing yourself as one is right for you and your business’ goals.

Auto Insurance Score Explained

An insurance score is a score calculated from information on your credit report. Your credit information can be very predictive of future accidents or insurance claims, which is why many insurance companies use this information to develop accurate rates.

How to Find the Best Small Business Insurance for Your Business

The average claim for a customer injury or property damage is about $30,000. If a claim leads to a lawsuit, then it can cost upwards of $75,000 to defend and settle. With that information, most small business owners would agree that small business insurance is a priority. No business is too small to be sued, burglarized or damaged by a fire. And no business owner wants an unexpected event to wipe out their hard work or investments. Thankfully, small business insurance can help protect your company and safeguard your income.

Why Did My Car Insurance Go Up

When calculating your car insurance quote, most auto insurers look at a number of factors that, through statistical modeling, help them determine how likely you are to have an accident or another type of claim. The factors, which can influence your car insurance policy rate, fall into three main categories: you, your car and how you drive.

Home Office Tax Deduction for 2020

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Have you and your employees been locked down at home and working remotely over the past six months? Then I have some good news about the home office tax deduction. And some bad news. First, the good news. If you’re self-employed or an independent contractor without an office, then you’ll be able to take advantage of this deduction. Even if you have an office somewhere but you regularly use part of your home exclusively for conducting business, you can take the deduction. If you use your home as your principal place of business, then you’ll qualify. If you conduct business at… Read More »Home Office Tax Deduction for 2020