Claims Adjusters, Appraisers, Examiners, and Insurance Investigators

Small businesses have a 40 percent chance of filing an insurance claim during a 10-year period, according to a study by The Hartford. After loss or damage, your insurer will probably call in one of several claims experts to help with your claim. Claims adjusters, appraisers, examiners, and investigators have some similar roles, but they also have very specific roles. …

Fire Prevention Tips for Commercial Buildings

The National Fire Protection Agency reports an estimated 20,090 annual commercial fires which occur in mercantile properties, office buildings, and high rises. It’s important to take precautionary measures to ensure your business doesn’t go up in flames First step: check the perimeter of the building for:  Flammable debris or liquids – This would include paper, wood, trash, propane, or other …

Social Media Misuse

In the increasingly digital age, more and more companies are learning the perks, perils, and pitfalls of social media. Just recently, there have been instances where misconduct on the social media platform has led to disciplinary actions. A Texas teen was fired from her job at a pizza restaurant before her first day of work as the result of a …

Business Income Coverage

It’s no secret that living in the Ozarks necessitates a certain understanding about the weather. That is, we understand it to be perfectly unpredictable and occasionally volatile and dangerous. This past winter’s snow storms, powerful winds, bitter cold, and heavy rain—interspersed with periods of moderate spring-like pleasantness—has been a testament to the ups and downs one must accept when planting …

Office Romance, Sexual Harassment, and Keeping Your Company Protected

Victims of sexual harassment had fewer options in years past, typically limited to either put up with inappropriate behavior or seek employment elsewhere. Our society has come a long way in how we view and respond to sexual harassment in the workplace. As a result, companies have taken added measures to ensure their employees are well educated and trained on …

Cloud Computing and Risk Management

Many businesses are using cloud computing services as a way to store data through shared networks and servers over the internet, which allows access to information anywhere, at any time. This decreases infrastructure costs while increasing productivity, but it also increases risk. Cloud computing poses privacy and security challenges similar to those in traditional computing, but are amplified because your …

Protecting Your Customers’ Property

If the first rule of insurance is to make certain that your property is adequately covered, the second rule should be to ensure that the property of others is properly protected. It’s obvious that companies like UPS, FedEx, and PODS would need insurance for the damage of customers’ goods, but you may be unaware of just how much customer-owned property …

Small Business Insurance Needs

Protecting your business investment with insurance is a critical part of small business ownership.  From customers hurting themselves in your store to employee wrongful termination suits, having an insurance policy can minimize the risks associated with unexpected events, liabilities, and losses.  An insurance policy can come in many forms, from general to specialized, depending on your company’s needs. General liability …

What is Business Insurance?

Business insurance encompasses all the different types of coverage available to protect business owners from losses.  Fires and other disasters happen whether you’re ready for them or not.  Car accidents can occur and people can fall, get sick, and even die.  Your business, regardless if it is a one-person operation or a multimillion-dollar corporation, needs to be able to protect …

Always Have an Umbrella (Policy) when it Rains

What is worse than finding out that there has been a mishap in your business? Finding out that the cost of the mishap exceeds your liability coverage. This exact problem is what umbrella policies are for, and they may be the tool that saves your business in many circumstances.Umbrella policies provide coverage to your business when you exhaust the limits …