Even if a business begins in your home, it likely needs insurance of its own. If you think your homeowner’s policy will automatically respond to business-related losses, you better think again! A recent study of entrepreneurial trends revealed that 69 percent of all businesses begin in a personal residence. But when you suffer a loss there, most homeowner’s policies will not automatically respond to reimburse you for items related to your at-home business. For example, if you are ...

Approximately 42 million Americans are classified as independent contractors, freelancers or self-employed. That’s around one in three. By 2020, estimates are that at least half of the population could be working for themselves. There are many reasons why people have turned to this work model, including flexibility and healthcare portability. However, many self-employed individuals are so caught up in the excitement of starting their business and the day-to-day tasks of running it, that th...

One of the most-reported general liability insurance claims are slips and falls. A variety of hazards might cause someone to fall and get hurt when visiting your business. You have a responsibility for customer safety. What can you do to reduce trip and fall risks throughout your workplace and customer  areas? Safety must remain one of your first priorities in your business. As fall risks develop, immediately take steps to fix the problem. How Fall Risks Develop People can trip and fall ...