1. Articles in category: Commercial Insurance

    1-24 of 51 1 2 3 »
    1. Business Insurance 101 - Everything You Need to Know

      Business Insurance 101 - Everything You Need to Know

      Everything Massachusetts business owners need to know about commercial insurance, straight from insurer Hiscox. With so much to do and devote your time to as a business owner, it can be easy to overlook or simply never around get to protecting your business. This quick guide will give you the information you need to initiate a conversation with a commercial insurance agent.

      Learn the lingo of the business insurance world and begin understanding the most common policies on Hiscox:

      Running a small business is like walking a tightrope. It’s thrilling, but it also comes with some risk. Whether you ...

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    2. Looking Ahead: Commercial Insurance Pricing

      Could you see your commercial insurance premium rates drop this year? The Insurance Information Institute looks into the trends and taps industry experts to comment on where the industry is headed:

      Where are U.S. commercial insurance rates headed in the coming year?

      Latest analysis from online insurance exchange MarketScout gives some insight.

      This from Richard Kerr, CEO MarketScout:

      “We expect more moderate rate reductions for the coming year for all but a few lines of business. If interest rates increase, rate reductions could accelerate.”

      December closed out the year at a composite rate reduction of 1 percent, according to ...

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    3. 5 things to accomplish with your commercial real estate ASAP

      5 things to accomplish with your commercial real estate ASAP

      The year is almost over - is your business ready for 2017?  This helpful article details the commercial real estate to-do's you should cross off your list for the new year.

      Examining your lease, your maintenance contracts and your commercial insurance coverage are all steps you should take to ensure that you'll be well protected and ready for whatever 2017 has in store. 

      Read more in the OC Register:

      Update your insurance coverages: As insurance is not my expertise, I contacted a George McLaughlin from Tutton Insurance, a commercial insurance ...

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    4. What CIOs Need to Know about Cyber Liability Insurance

      What CIOs Need to Know about Cyber Liability Insurance

      ​Some useful tips here about cyber liability insurance.  As data breaches become more common, it is important for all Massachusetts small businesses to ensure their companies are protected against them. 

      This coverage may include more than you expect! Read on for more information in the CIO review:

      Cyber liability insurance is no substitute for security best practices. ... just like having auto insurance doesn't give you license to drive recklessly.

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    5. Cyber Insurance 101: Read This Before Selecting A Cyber Insurance Policy

      Whether you own a large company or a smaller one, cyber security should be on your radar. These helpful tips from Richard Brodsky can help Massachusetts business owners weigh their risks and their options for protecting their cyber security.

      Through a combination of insurance and preparation. Business owners can help reduce their cyber risk. Learn more on mondaq:

      Cyber insurance policies can be an effective means of mitigating such risk, ... as picking between traditional providers for an auto insurance policy.

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    6. At risk: Many companies don't have enough disaster insurance

      At risk: Many companies don't have enough disaster insurance

      Does your small business have a plan for the unexpected? Fire, flooding, vandalism and more could force your business to close its doors - what happens then? Recovering from a disaster can be costly, but certain disasters may not be covered under your standard commercial insurance.

      Talk to your agent today to understand what your current policies do and do not cover. Read more about insuring your business from disasters on the San Antonio Express-News:

      At risk: Many companies don't have enough disaster insurance .... Walter Coker considered buying flood insurance for his property that included a ...

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    7. 4 Risks Less Sexy than Cyber Security that Matter More to Your Business

      Cyber security risk my be what's covered often in the news these days, but don't get distracted. There may be risks more pressing for your small business that you should be considering and insuring your small business against.

      Do your research to find out what risks are common in your industry and the area your business located in. Speak with an insurance agent to make sure you're covered against such risks. 

      While it is smart to protect your business from cyber threats, don't overlook less trendy risks that could be more likely to strike your small ...

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    8. Certificate of Liability Insurance - What is it and why do I need it?

      Certificate of Liability Insurance - What is it and why do I need it?

      Protecting your small business is part of your job as a business owner. General liability insurance is one of the most common types of small business insurance that businesses should consider.

      Luckily, if your small business already has general liability insurance, then you likely already have a certificate of liability insurance, should a client require it.

      If your business doesn't have general liability coverage, you may want to contact your insurance agent to learn more.

      If you own a small business, general liability insurance protects you if there’s an accident or injury in your workplace or caused by ...

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    9. 19 Tips to Prepare Your Business for the 10 Most Common Insurance Claims

      This post should be required reading for business owners! These 19 tips will help you prepare your business for the most common commercial insurance claims. There are many things you can do to reduce your risk in addition to carrying business insurance.

      In addition to preparing your office and business against these common claims, you should also ensure you have the proper coverage and coverage limits. Having the correct insurance coverage will help you avoid the hassle and financial headache of common problems other businesses have faced. 

      Read on for Insureon's 19 tips:

      Don't wait for trouble to ...

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    10. Roundup: Insureon's Best Business Preparedness Resources

      Small business owners, this post is for you! In honor of National Preparedness Month, Insureon has rounded up a big list of resources to help you keep your small business safe from possible disasters.

      It's National Preparedness Month! Kick it off with these 10 resources that can help your be prepared for whatever disaster comes your way.

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    11. 5 Essential Insurance Policies for Businesses on the Move

      Your busy and growing business may have some dynamic insurance needs. For many Massachusetts businesses, a simple commercial insurance policy is not enough. Depending on certain aspects of the business you run, you could require some additional, specialized insurance for those times you, your employees and your company's property are on the move.

      If you need to drive places to perform your business' functions, or you need to send an employee via car to company meetings, you'll want to look into insuring your liability in case something happens on your trip. You'll also want to think about ...

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    12. The Thin Line Between Personal and Commercial Auto Insurance

      You don't need to drive a company car to need commercial auto insurance - in fact, there are several ways you could using your car on a usual basis that could be better protected with commercial auto insurance.

      To avoid a coverage gap, check out this article and helpful chart from NerdWallet that outlines the thin line between certain uses of your vehicle that fall under a personal policy or a commercial policy:

      If you don’t operate a fleet of business vehicles — or run a business at all — you may never have given commercial auto insurance a thought. But ...

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    13. What do Those Conditions Mean in Your Policy?

      What do Those Conditions Mean in Your Policy?

      You should understand your insurance policy. After all, you are paying for it and depending on it to provide coverage should you need it. However, insurance policies can seem complicated to many of us, especially those of us who don't have as much experience with commercial insurance policies. 

      Policy holders should not forget to check their policy's conditions and do their best to understand how these may limit your coverage. If you need help reviewing these conditions, don't forget to reach out to your insurance agent, who can help you understand what your policy has to offer ...

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    14. What's Not Covered by Auto Liability Coverage

      What's Not Covered by Auto Liability Coverage

      Just as important as understanding what is covered by your insurance policies is understanding what is covered! Read on to learn more about what might not be covered by your commercial auto liability coverage:

      Commercial auto liability coverage protects your company against claims by third parties who seek compensation for bodily injury or property damage sustained an auto accident. Like most types of insurance, auto liability coverage is subject to exclusions. Exclusions may eliminate coverage for risks that are uninsurable or that are covered by other types of policies. Some exclusions preclude certain risks but then add back some coverage ...

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    15. Cyber Risk Insurance & Email Piracy (BEC, Social Engineering Fraud)

      Email Piracy is a growing problem for businesses. This newer security issue requires new types of insurance to adequately protect your business from risk. Read more about Cyber Risk Insurance to help protect your business:

      As we have noted (here & here), Email Piracy, also called Business Email Compromise (BEC) and social engineering fraud, is a significant threat, and only a few Cyber Risk Insurance policies provide adequate protection from this type of attack.

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    16. 4 Important Things Most Small Businesses Forget When Training Employees

      Not only does properly training your employees set them up for success in their new roles, it also can help you avoid potential lawsuits and commercial insurance claims.

      Make sure your employee training includes employee and customer safety, anti-discrimination policies, and visuals to help the new info stick.

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    17. Is that Vehicle an Auto or Mobile Equipment?

      Is that Vehicle an Auto or Mobile Equipment?

      Do you have the right policy?

      Commercial auto policies cover accidents that arise out of the use of covered autos but do not cover mobile equipment. Conversely, general liability policies cover accidents that arise from the use of mobile equipment but do not cover autos. What is the difference between an auto and mobile equipment? This article will answer that question.

      The term auto has the same meaning under most commercial auto and general liability policies. It includes two types of vehicles:

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    18. Business Insurance for Weddings

      Business Insurance for Weddings

      If you're home to a unique wedding locale, you may want to insure it.

      Wedding season isn’t just an exciting time for brides and grooms; it can also be an exciting and profitable time for businesses. There are popular venues such as hotels, function halls, and restaurants that are pretty well versed in hosting weddings, but it’s more and more common for brides to aim for unique locations these days.

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    19. Pennsylvania Small Business Insurance is Available for Small Businesses in an Increasingly ...

      Pennsylvania Small Business Insurance is Available for Small Businesses in an Increasingly ...

      With the risk of a harassment lawsuit on the rise for small businesses, it's good to know your commercial insurance provides the right coverage. Small business owners in Pennsylvania, Massachusetts and beyond should think about whether they have enough general liability coverage should a suit be served.

      Pennsylvania small business insurance policies are available for small businesses to protect themselves from losses and liabilities arising from legal ...

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    20. Small Business Insurance & Social Media: Are You Protected?

      Don't let a Tweet jeopardize your business! Make sure you understand how your risk of advertising injury extends to social media and how liability insurance can help protect your business.

      Social media may increase your risk of advertising injury. Learn how small business insurance, especially General Liability, may protect you.

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    21. Protection Against Employees Who Steal

      Protection Against Employees Who Steal

      Employee theft can take many forms and can affect many different types of businesses. Some thefts may be more obvious than others, other thefts may be more devastating than others. Regardless of the type of theft, your business may benefit from employee theft insurance which can help you recoup losses after discovering an employee has stolen from your business.

      Learn more about this coverage and its exclusions on About:

      Employee theft coverage, as its name suggests, protects businesses against property thefts committed by employees. It is also called employee dishonesty coverage. Employee theft coverage may be written alone or in ...

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    1-24 of 51 1 2 3 »
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