Business Insurance Articles

Small business property insurance, sometimes referred to as commercial property insurance, is insurance that protects your assets — your property (tangible and intangible) and your inventory — against loss or damage from an accident, theft or some other cause. A property insurance policy for you...

Commercial casualty insurance is a broad category of protection that encompasses coverage against damage, property and other liability. Casualty insurance is sometimes combined with property insurance, which then is commonly referred to as “property and casualty” insurance. Commercial casualty ...

Money owed to a company by its clients is the basic definition of accounts receivable and depending on your business it may total a large sum of money that you have not yet collected. In any matter it is an amount of money that rightful belongs to your company that has not been collected yet. For ma...

Did you ever wonder what would happen if you lost all of your business documents in a fire or a flood? Losing small business customer lists, invoices, and contracts may mean incurring expense and taking the time to recreate these records. The cost of replacing professional documents such as those ma...

Whether a start-up or an established small business, commercial property insurance is not a luxury, but a necessity. In the event that the physical assets of your business, such as your building and equipment, are damaged or destroyed, this type of business insurance helps you to recoup your financi...

Sexual harassment isn’t only confined to large corporations; small businesses are at risk too. Some companies think that “it can’t happen to us”, but unfortunately, it can. Legally, a small business is responsible for the actions of its employees, whether management has knowledge of the inci...

Used heavily by contractors, particularly general contractors, contract surety bonds, are a guarantee from a surety to a project owner that a contractor will adhere to the provisions of an agreed-upon contract. In other words, the contractor will get the job done as specified in the contract. A cont...

Fraud and embezzlement in the workplace is a reality. Unfortunately, when it happens, restitution from the employee is usually unlikely because most, if not all, of the money has already been spent. Along with taking preventive actions to discourage dishonest employee acts, Fidelity Bonds may be an ...

If you’re a small business owner, you may already have some type of general liability insurance coverage and auto liability insurance coverage. However, there may be instances where the limits of your general liability policy may not provide you with enough protection. For instance, the limits of ...

Nearly every small business these days, but especially an IT business, has some degree of risk related to technology. It could be a programming error, security breach of confidential customer information, or client data loss. Just operating in today’s modern tech environment lends itself to increa...