Everyone knows that you need commercial truck insurance, but individual policies can be confusing. Here are the answers to FAQs regarding commercial trucking insurance that can help you better understand your coverage. Can I still get insurance if I have a D.U.I. on my record? Yes, in almost every case, a person with a D.U.I.…
Because renting can be so expensive, some tenants feel they can’t afford renter’s insurance. If your pet ends up damaging your landlord’s property, however, renter insurance costs with a dog can be cheaper in the long run. Having a policy also may help you find an apartment in the first place. Protect Against Damages Renter…
Most employers are required to provide workers compensation insurance. Common sense might suggest shopping around for the best policy, but this strategy is not possible if you live or work in a monopolistic state. Here is a list of monopolistic states and the implications for employers doing business in one. Monopolistic States In some states,…
When trying to leverage talent, small businesses often look to their benefits offerings to attract and retain employees. However, benefits can be quite costly, especially for small companies. There are several ways to fund a health insurance plan that can help make the costs more manageable. A level-funded insurance plan provides the cost-saving benefits and…
There are liability risks within every industry, but even inside a particular industry, the details may vary widely. In the laundry industry, risks vary largely based on whether the business offers laundry services or simply the equipment for customers to do their own laundry. Self-service laundromats avoid quite a few risks that are common for…
There are countless risks that come along with operating a business. Protecting yourself and your assets can be tricky, especially in the digital age. Not only do you need to focus on the areas that cybercriminals tend to exploit, but you also must take time to think about all of the common liability scenarios you…
Workers’ compensation laws vary between states, but most require coverage if you have a certain number of employees. Occupational accident insurance (OAI) can help provide for employers and employees in the absence of workers’ compensation coverage. Advantages of Occupational Accident Insurance One of the biggest advantages of OAI is that it can be customized to…
Operating a retail business could include a number of different products, but in general, retail operations share similar liability exposures. The traffic coming through the doors, the employees serving customers, and the exchange of financial information all present a number of risks, so the insurance for retail businesses should have more than one coverage application.…
The current Covid-19 pandemic has caused understandable stress for employees who will suffer not only in health but financially should they contract this devastating illness. As an employee, knowing your options can provide a sense of security in an uncertain future. Critical Illness Insurance Critical illness insurance offers a lump sum payout intended to help…
Employment practices liability insurance is essential for any business to have in order to protect against claims made by employees. This is especially true for smaller companies that may not have a defined structure of policies and training in place. Legal accusations related to EPLI have been increasing in recent years. Even if a claim…