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There are many issues that can cause setbacks for print, packaging, label and even creative and design agency businesses. Electrical fires can damage inventory and equipment as well as shut down a business temporarily. Customer injuries can lead to lawsuits, natural disasters can destroy property, and burglaries can result in thousands of dollars of losses
Commercial property insurance rates remain stubbornly high in California for businesses with properties that are susceptible to wildfire risks. Coverage is relatively easy to find at reasonable prices in any of California’s larger cities, but in small cities and towns, it’s a different story. Business with facilities in any areas that abut woodlands and other
If you own your business and have employees, you are likely exempt from having to cover yourself under your workers’ compensation policy in California. But what if you have multiple owners? There are rules promulgated by state law that set out the parameters for when owners can be excluded from the workers’ comp policy, and
If you own your business and have employees, you are likely exempt from having to cover yourself under your workers’ compensation policy in California. But what if you have multiple owners? There are rules promulgated by state law that set out the parameters for when owners can be excluded from the workers’ comp policy, and
For the most part, when a business needs to file an insurance claim, the carrier accepts the claim and sends out an adjuster to assess the damage, after which it starts paying the claim.   But the process sometimes doesn’t go smoothly, particularly if the insurance policy includes any number of exclusions. And many companies make
As vehicles get more expensive to purchase and repair and after a surge in vehicle accidents since the pandemic started, commercial auto insurance rates are expected to grow an average of 13% in 2023, according to a report by price comparison site Insurify.  Adding to the risk, due to the labor shortage, many companies are
As a responsible business owner, you no doubt make sure that you are properly insured for any liabilities resulting from damage to other parties. But, imagine the following scenarios: What if a visitor trips and falls at your business, breaking a leg and is unable to work for a few months while they recover? What
Business insurance can get complicated. Organizations need to protect themselves against damage to their property, income they may lose if they have to shut down after their property is damaged, and the risk of lawsuits.   With the risks of natural disasters, crime and other types of losses that separate policies cover, there can be a
As online threats continue growing, small businesses need to consider securing cyber insurance policies that can help defray the costs of an attack on their network or theft of their employees’ or clients’ personally identifiable information. For some companies, coverage is an absolute necessity.  Businesses are faced with increasing perils and cyber criminals are constantly
One of the keys to keeping the costs of a workers’ compensation claim from spiraling out of control is prompt claims reporting. Claims are routinely filed late, either by the injured worker who fails to report it to the employer, or the employer dawdling or procrastinating and not reporting the claim to its insurer. Either
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