5 Big Risks for Home-Based Businesses

Many home-based business owners treat their operations informally—but you shouldn’t. According to Census Bureau data, about half of U.S. businesses are operated from home. The Insurance Information Institute has found that the majority of home-based business owners lack insurance coverage beyond what they have through their homeowners’ insurance policy—which is generally not designed to cover business-related claims.…

Calculating Coinsurance

Some business insurance policies include a coinsurance clause. If your policy includes a coinsurance clause, the amount of insurance you have purchased (the limit of insurance) must equal or exceed a specified percentage of the value of the insured property. For example, if 80% coinsurance applies to your building, the limit of insurance must be…

Common Exposures for HVAC Businesses

Most homes and businesses are outfitted with heating, ventilation and air conditioning (HVAC) systems—systems that require the care of specialized technicians for service. As an HVAC contractor, you are tasked with managing a variety of risks every time you perform maintenance or an installation on behalf of your clients. Just one incident involving the use…

2019 Safe + Sound Week

Safe + Sound Week is a nationwide event held each August that recognizes the successes of workplace safety and health programs and offers information and ideas on how to keep America’s workers safe. This year’s event runs from August 12th – 18th. Why Participate? Successful safety and health programs can proactively identify and manage workplace…

Align Your Life

Your Business Assets are perfectly secured. Be Sure your Personal Assets get the same attention. Your business is a success because you’re monitoring performance, fine-tuning operations, and cultivating talent. You never take your eyes off the ball. The organization you are building is making a difference—it’s something bigger than just you. Do you treat your…