Category: Business Insurance

Flood Insurance for your Business

In 2018, at least a dozen big cities in the eastern US recorded the wettest year to date, including cities in our area like Roanoke, Virginia and Charleston, West Virginia. In addition, for the fourth consecutive year, “hurricane activity began prior to the official June 1 start of the season. [. . .] The 2018 hurricane season was the first since 2008 to have four... Read Article

Cyber Security

THEFT. It’s a serious word. You lock your business doors at night to protect your physical property; you carry property insurance to make sure a loss doesn’t impact your operations. But what happens when your electronic property is stolen? You may be thinking, “I’m a small business! No one would target me!” Wrong. According to a recent Travelers Insurance survey, 60% of cyber events affected... Read Article

Surety Bonds Vs. Professional Liability (Errors & Omissions) Insurance

Surety bonds are a useful service, but not the same thing as professional liability insurance, also known as errors and omissions (E&O) insurance. You may need both surety bonds and professional liability insurance to safeguard your business. What Are Surety Bonds? A surety bond is a contract between three or more parties, issued by a surety company on behalf of a party known as the... Read Article

Can I Still See My Own Doctor After Filing For Workers' Compensation?

There is no yes or no answer to that question. Each state has its own set of complicated rules for when you can see your own doctor for a work-related injury covered by workers’ compensation insurance. Generally, but with some exceptions, your employer’s insurance company determines which doctors you see when you have filed a workers’ comp claim. Workers’ compensation can be confusing, and the... Read Article

Do I Need Liquor Liability Insurance If I Only Sell Beer Or Wine?

Despite the name, you will need to make sure you add liquor liability insurance to your business policy if you serve beer or wine at your business. Although most business liability insurance automatically includes host liquor coverage, this only applies to small functions hosted by an enterprise that is not in the business of selling alcohol. Our experienced agency can help ensure you have the... Read Article