Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Workers Compensation – Beware the pitfalls!

For Exempted Owners, Independent Contractors and Casual Labor for Real Estate Staging, Interior Design and Home Organizer Companies. 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…

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. There are…

Keep Small Business Health Costs Down: 5 Tips to Stay Healthy in the Workplace

As a small business owner, you are probably well aware of the costs involved in providing health care coverage to your employees and their family members. Even if you do not offer full coverage, there are still a number of expenses that can weigh heavily on you and the profitability of your business. If you are not able to keep health costs down, you could…

Restaurant and Bar Insurance to Serve You

Whether you own a restaurant, bar, tavern, pub, sports bar, catering company or banquet facility, ensuring you have the correct insurance in place is an important matter. As an owner of these facilities in King of Prussia, you’re open to great risks without the right types of coverage. Issues could arise involving being accused of over-serving an intoxicated customer as well as employees claiming an…

Workers’ Compensation Insurance

Get help from a local agency that will really work for you. We know the workers’ compensation insurance needs of PA. This type of insurance is one of the largest expenses your business must pay, and there are various insurance markets for your specific industry. You need an agency that will do the legwork to find the policy that will be most affordable and best…

Commercial Insurance: Protection Against Lawsuits

If an unexpected accident takes place at your [bf_ins field=state] facility or office, or a lawsuit is filed against your business that is related to a product or service, the general liability insurance you have in place should cover your losses, including the legal costs involved in defending against it. A general business insurance policy should cover you against injury lawsuits, false or misleading advertising…

Tips for a Safe and Happy Halloween

Halloween is just around the corner! If you and your family are planning to participate in any Halloween festivities, it is also important to take certain precautions to keep your family safe so everyone will be able to fully enjoy the evening. Check out these simple steps to a safe and fun Halloween: Costumes can be scary and designed to frighten, but be sure to…

Understanding Your BOP

A business owners policy (BOP) combines protection from all major business property and liability risks in one convenient package. Package policies are created for small and mid-sized businesses that face the same type and degree of risk. A policy that combines property and business liability insurance can cover your business for claims resulting from fire, theft, and other covered disasters, and for claims that could…

How to Determine If Your Business Needs Key Person Insurance

It can be disastrous for a business when a key person becomes disabled or dies. Significant amounts of time and money can go into replacing a key person in a business of any size. In a small business, a key person who makes crucial contributions may be irreplaceable. A knowledgeable agent at [bf_ins field=company_name] in [bf_ins field=city], [bf_ins field=state] will be happy to advise you…

How to Control Workers Compensation Costs

Workers compensation has become a major contributing factor to the cost of business insurance. Premiums are high for many types of businesses, and the additional costs associated with employee injuries can be staggering. However, business owners are not as helpless as they may feel in controlling the cost of workers compensation insurance. Our knowledgeable agents at [bf_ins field=company_name] in [bf_ins field=city], [bf_ins field=state] are available…
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