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Small Business Insurance

Top Businesses To Start In 2022

As you contemplate the year ahead, have you been thinking about starting your own small business? When it comes to great business ideas, there’s no better time than now to take the plunge. These days, more and more people are starting their own businesses. What’s driving this increase in small business startups? E-commerce has seen incredible growth due to COVID-19.… Read More »Top Businesses To Start In 2022

What is a DBA and Should You File for One

There’s much more to know about DBAs — after all, every state has its unique rules and requirements. Do some research online and find out what you need to do. You’ll likely find that the time and effort you put into a DBA is a worthwhile investment in the future of your business.

How To Sell Products Online: A Small (Or Aspiring) Business Owner’s Guide

Online marketplaces not only help sellers reach a wider audience of potential buyers, but they also offer a year-round sales venue beyond seasonal street fairs, craft bazaars and art shows — one that doesn’t rely on good weather or holidays. And for small businesses, online sales are more important than ever, especially during the pandemic when social distancing has become… Read More »How To Sell Products Online: A Small (Or Aspiring) Business Owner’s Guide

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.

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.

LLC Insurance

What Is LLC Insurance? LLC insurance is short for limited liability company insurance. It helps protect LLCs from different liability claims, like bodily injury or property damage caused by your:  Business Employees Products  Many small businesses register as LLCs. This separates your business assets from your personal belongings. However, it doesn’t protect your business from the various risks it may… Read More »LLC Insurance

Insurance Impact of COVID-19 on Short-term Rentals and Transportation Network Platforms

The pandemic has had a profound impact on the hospitality and service industry. This also extends to aspects of the sharing economy, including short-term vacation rentals and transportation network platforms. This article takes a closer look at COVID-19’s impact on these platforms and insurance coverage implications that retail agents should be aware of. COVID-19 Impact on Short-term Rentals When the… Read More »Insurance Impact of COVID-19 on Short-term Rentals and Transportation Network Platforms

Learning Pods – Insurance Risks explained

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As parents across the U.S. and Canada grapple with their children’s return to school amid a pandemic, “learning pods” have emerged as a potential solution to meeting kids’ academic and social needs while minimizing contact with large groups.

Two mothers in Delaware County, Ohio recently launched Web Student Services, LLC, a learning pod startup that pairs certified teachers with limited groups, or “pods” of students to facilitate an at-home school curriculum on public grounds. The company has already enrolled more than 70 families, most of whom pay about $90 per week.

Other parents are organizing learning pods with neighbors and hiring tutors or nannies to support their children’s online learning at different homes each week. Others are enrolling in commercial programs, either at existing child care or tutoring centers or other facilities—like fitness centers—that have reconfigured their traditional model to offer child care and learning support services for school-aged children.

Despite widespread need and the potential for revenue these new ventures are not without risk.Read More »Learning Pods – Insurance Risks explained

Coronavirus – Does Your Insurance Cover You?

The disruption to business and everyday life caused by the coronavirus (COVID-19) pandemic is resulting in an economic impact for every business. With hourly announcements from health agencies calling for social distancing, school closings, business restrictions, and event cancellations, current news reports indicate the crisis will get worse before it gets better. Much of this disruption is likely not covered by insurance.

The two most asked questions we’ve received over the past two weeks have been:

– Where can I buy coverage for the COVID-19 viral pandemic?
– Does my insurance have coverage under my current policy?

We have consulted with specialists across the Property, Casualty and Professional Lines sectors and offer the following COVID-19 update. Please note this is not an interpretation of any policy language and we recommend that you inquire with counsel for specific interpretation and advice on your particular insurance policy.Read More »Coronavirus – Does Your Insurance Cover You?