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Category: Commercial Insurance

What Does Commercial Umbrella Insurance Cover?

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business...

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...

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...

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...

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...