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Business Insurance Your Startup Needs

The world of business insurance can be tricky for startup companies. Here’s what you need to know. Between generating loyal customers, correcting the revenue model, and landing your team a stellar supervisor, insurance falls way down the list of important to-dos. However, proper business insurance coverage can be critical to, and is often a requirement for, a startup’s success. Here is a breakdown of the main types of business insurance startups need and why you’ll need them! General Liability Insurance: Otherwise known as “slip and fall” insurance, this coverage goes way beyond office mishaps. Coverage ranges from all kinds of bodily injury and property damage caused by your company. Additionally, it includes the actions of your team members outside of the office as well as the use of your products by your customers. Workers’ Compensation: Workers’ Comp covers injuries to your own employees while on the job. Even if you only have one ... Read more

Protecting Against Cyber Bullying Lawsuits with Insurance

Bullying is a problem that occurs in schools around the country, but it is not limited to the educational system. Cases of bullying that take place online can be just as damaging to the mental health and well-being of young students. Watching video Mondays and staying up-to-date with the latest concerns that can arise is a key part of ensuring that a family will not face unnecessary financial challenges. What is Cyber Bullying? Before it is possible to protect against lawsuits and potential challenges that may arise, it is important to understand what cyber bullying is and how it can result in financial strife. Any time that taunting, teasing, name-calling or other negative comments take place over the Internet, it is classified as cyber bullying. It can be dangerous because of the impact on the mind. Employers and parents should always take measures to obtain coverage that can help protect against liability ... Read more

Tis the Season for More Construction Jobs

The coming summer season involves more construction projects--and more workplace injuries. This makes it a good time to review your commercial insurance coverage to learn if it is sufficient or needs some protection updating. While fatal accidents, like those that have occurred during construction for the upcoming World Cup Tournament in Brazil, there are many other risks that garner less media, but present common dangers. According to the Occupational Safety & Health Administration (OSHA) stairways and ladders are a primary source of injuries, sometimes fatalities, for construction workers. OSHA estimates almost 25,000 injuries annually from falls on stairways and ladders used during construction projects. Around one-half of these accidents result in lost time off the job. This data confirms the inherent hazards involved in using temporary stairways and ladders during construction. While these injuries seldom make the evening news, they can be just as devastating to the workers and their employers ... Read more