What is a Certificate of Liability Insurance?

Here’s what small businesses should know about certificates of liability insurance. Commercial general liability insurance protects you in the event that your business is held responsible for third-party injuries or damages.  Some businesses are actually required to have this type of insurance and show proof of coverage.  A certificate of liability insurance (COI) serves as Read More

What Businesses Need to Know About Drug Testing Laws

Here’s what employers and employees need to know about drug testing regulations. With the exception of highly regulated industries (such as military contracting and nuclear energy), federal laws do not specifically address drug testing in the workplace.  That being said, many states and local governments have their own laws and requirements.  In many cases, these Read More

Company Vehicles- Checklist for Accidents

Learn the dos and don’ts of accidents involving company vehicles. If your business’s operations require the use of company owned vehicles, then there is always the chance of an employee being involved in an auto accident.  While your employee and your company vehicle should be protected under the right commercial auto insurance policy, you also Read More

Save on Workers Compensation Insurance by Avoiding These Mistakes

Don’t make these potentially costly mistakes. Most small business owners view workers compensation insurance as a necessary evil.  They secure this coverage because they are legally obligated to, but they do not give this important of coverage much thought.  That is, of course, until they need to access it or are suddenly hit with an Read More

What You Need to Know About Liability Insurance for Your Small Business

Learn the basics of commercial liability insurance. As a business owner, you know how important it is to secure the right small business insurance for your company.  One of the most important policies for any business is liability insurance.  But what does this type of insurance cover and how can you secure this coverage for Read More

What Should You Expect If You’ve Let Your Business Insurance Lapse?

Consequences of lapsed commercial coverage. Whether you have forgotten to make a payment or forgotten to renew your policy, there are instances in which business owners might accidentally allow their small business insurance to lapse.  Unfortunately, there are a considerable number of risks associated with lapsed coverage.  If you have accidentally allowed your small business’s Read More