Even though you think you have enough coverage on your homeowner’s insurance policy, it never hurts to have some extra precautions in place. For example, an umbrella insurance policy, which is designed to provide some additional liability coverage, can be added to your homeowner’s policy. Since these umbrella policies are inexpensive, they provide plenty of […]
Being self-employed can be one of most rewarding journeys you’ll ever take. Instead of working for a company that doesn’t appreciate you or won’t offer flexibility, you can work for yourself and build a life and a business that matters to you. But that doesn’t mean there aren’t some risks to being self-employed. Whether you […]
You’ve invested in a heavy-duty pickup and a good trailer. You’ve got all your tie-downs and other equipment. You’ve got clients lined up, ready to call on you. You’re ready to be the go-to guy for companies that need small deliveries made in a pinch. You’re fast, reliable, and ready to build your business. Your […]
Own a property you want to develop for multi-family housing? Thinking of investing in rental property as a business opportunity? The market might be hot, and this may be an excellent business venture for your financial future. But if you don’t have the right kind and amount of insurance, you could lose everything in one […]
When you became a dentist, you did it to help people have beautiful smiles and healthy mouths. As you well know, oral health is a window into the overall health of the body. What you probably didn’t think about was the business of running a dental practice. As fulfilling as the work can be, it […]
As a contractor, you’ve got a lot on your plate – bids to put in, contracts to fulfill, subcontractors to hire (or fire). Now add a big storm that rips apart part of an active jobsite or an accident on the road with a company truck. Accidents like these are more than giant headaches. They […]
Your dental office probably has a business owner’s policy (BOP) which provides basic insurance coverage for your business. This includes important forms of coverage: General liability Commercial property Business interruption Employment practices liability That’s a good start, but it’s not nearly enough to truly protect your practice. Your dental office has specific liabilities and concerns […]
The beginning of a new year is the perfect time to figure out what you’ll do better than the year before. With rapid changes to the economy going on all around us, many people have added finances to their goals for 2021. Here are a few common financial resolutions you might have — and tips […]
It’s hard to imagine that you might one day be sued, especially for something that wasn’t really your fault. You try to be safe and cautious, and you’d never try to purposely injure someone or cause property damage. But accidents happen, and it’s difficult to predict what the outcome might be or how an accident […]
As a business owner, you often hear horror stories of accidents, lawsuits, and large settlements being awarded. You shudder to think what something similar would cost you, especially knowing your liability insurance limits. You may even have heard of excess liability and umbrella insurance policies.
The two terms are often used interchangeably, and it’s easy to think that they’re one and the same.