Category: Business Insurance

How Business Owners Package (BOP) Insurance Can Save You Money

Business owners package (BOP) insurance gives you several different insurance products rolled into one. Eligibility for this type of package can vary among providers. Purchasing BOP insurance can save your business money, as it is typically sold at a premium less than the total cost of individual coverages. What Does Business Owners Package Insurance Cover? BOP insurance can be individually-tailored to suit your business. Our...

Workers Compensation - exempted owners, independent contractors and casual labor for Real Estate Staging, Interior Design and Home Organizer Companies. Beware the pitfalls!

Worker’s Compensation can be a confusing topic with substantial additional expense to a company’s bottom line; it is further complicated by the IRS, Courts, and even state statutes. Many staging and design companies are moving furniture on a daily basis, or opt to use 3rd party movers, either way there is exposure.  In addition, having employees on the road increases the exposure as injuries in...

Is My Business Big Enough For Cyber Liability Insurance?

If you have a small business, you may wonder if your operations are large enough to warrant purchasing cyber liability insurance. In fact, a large percentage of small businesses are victims of cyber attacks or data breaches every year. Cyber liability insurance is becoming increasingly essential protection in the world of business today. Why You Need Cyber Liability Insurance As stated in a Small Business...

Insurance for Interior Designers

Interior Designer’s face many challenges during the course of their business career.  Aside from the everyday challenges that any business will meet (i.e. prospecting clients, meeting budgets, finding good help, etc.), Interior Designers will need to manage their risk.  Risk is the potential for a financial loss to your business via an injury, damage to property or lawsuit due to your professional error or negligence....

What Kind of Insurance Do I Need If I Rent Out My Home?

If you own a home, you probably already have homeowners insurance to protect your investment from covered losses. However, a standard homeowners policy may not cover damages that occur when your house is being rented out, depending on the length of the rental term and the situation. Our experienced agent can advise you on what insurance you need if you plan to rent out your...