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Brotherhood Mutual Insurance Review (2022)

Churches, just like homes and businesses, need to be protected from disasters. Luckily, there are plenty of insurance companies in today’s market that can provide protection for your religious organization, but trying to find the perfect policy can be a bit difficult. While you should always compare insurance quotes from at least three different companies,...

Churches, just like homes and businesses, need to be protect...

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What is a certificate of insurance?

Whether you are the contractor or the contractee, verifying your assets with a certificate of insurance will help you have peace of mind for the duration of your work projects. These documents are usually shared by the construction company for proof of business insurance. However, a certificate of insurance may be required whenever you’re a...

Whether you are the contractor or the contractee, verifying ...

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Insurance for Restaurants and Bars

Many people who want to start a small business choose to open a restaurant or bar. After choosing what they will serve and where the location of their new business will be the next item on the agenda should be getting the insurance on the business in order. Restaurants and bars are unique from other types of businesses because many of them serve alcohol unlike any other business which is its own special hazard. Patrons of their business can drink too much and have a car accident on the ride home, or two people that have imbibed too much might start a fight in the middle of the bar. Insuring against these risks is an important part of owning just this type of business.

Many people who want to start a small business choose to ope...

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Why is teamwork important in a work environment? (2022 Update)

We all know teamwork in business is important for a successful, productive work environment. It’s kind of a no-brainer, right? We know it’s just as essential to good business as having a good business insurance policy. But if someone asked you to tell them why teamwork is so important for your work environment, what would...

We all know teamwork in business is important for a successf...

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Insurance for a Home-Based Business

Running a business out of your home is a popular choice in the United States. It is estimated that there are approximately 32 million home based businesses which include people operating their business on a part-time and full-time basis. There are a number of insurance issues that arise from running a business out of home including the business property in the home as well as liability issues. There are other insurance issues to take into consideration as well such as commercial auto insurance, professional liability, and workers compensation if you employ others in your business.

Running a business out of your home is a popular choice in t...

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What Every Business Owner Needs To Know About Commercial Insurance

All businesses are going to need commercial insurance of one type or another. Whether it's to cover their liability, their property, or life insurance, having the proper insurance and coverage limits is vital to running an effective company and protecting the business owners assets and interests. There are several lines of commercial insurance policies in order to cover all types of business activity.

All businesses are going to need commercial insurance of one...

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Commercial Liability Insurance

A Commercial General Liability policy protects a business against financial loss if it is held legally liable for third parties who suffered bodily injury and/or property damage due to the business’s operations, employees, products, or location. Every business needs to have this coverage in order to protect the company’s assets in the event of a large claim. Some businesses are required to have this coverage by the state in which they operate, such as contractors like plumbers, electricians, and handymen. Often times clients can also require this coverage as a requirement to do work for them. It is in every business’s best interests to have a commercial general liability policy regardless of whether they are required to have one, however.

A Commercial General Liability policy protects a business...

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Professional Liability Insurance: Errors & Omissions (2022 Update)

A professional liability policy is a type of insurance policy which provides coverage if a professional provides a service or advice to a client which the client feels didn’t meet what they were led to expect or if the professional makes a mistake that others in their profession wouldn’t ordinarily make. These are also called errors and omissions (E&O) policies because the professional that is covered by the policy either made a mistake and/or omitted doing something they should have done by the professional standards of their industry. There are two types of professional liability policies. Medical professionals like dentists and physicians carry what is called malpractice insurance. Other types of professionals who give advice and services such as architects, insurance agents, lawyers, engineers or similar professions carry errors & omissions policies. While depending on the profession it might be called one or the other type of professional liability policy, they both essentially cover the same things.

A professional liability policy is a type of insurance polic...

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Landlord Insurance – A Complete Guide to Rental Property Insurance

Landlord insurance is a type of personal lines insurance policy that people who own rental homes need to purchase in order to insure them. The policies provide coverage in case the home is damaged in a number of different ways such as by fire, hail, water, vandalism, and more. The policies also provide other coverages such as liability and loss of rents if the home can not be lived in for a period of time due to a covered claim.

Landlord insurance is a type of personal lines insurance pol...

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Insurance for Barber Shops, Salons and Spas

With more than 400,000 beauty salons, barber shops, and spas being run as small businesses across the United States, these types of businesses are a popular choice for entrepreneurs. Having the right commercial insurance policies in place is a very important part of running any type of business and these are no exception. In addition to property coverage, general liability, workers compensation, and business interruption insurance these types of businesses also need to have a professional liability policy.

With more than 400,000 beauty salons, barber shops, and spas...

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Insurance for Photography & Videography Businesses

There’s a large group of people who make their living as a photographer, videographer, or even both. Some operate as a sole proprietorship while others expand their business and hire additional people. Additionally, there are some that work out of their home and provide their services at other venues such as weddings or making videos for other businesses. Others own a studio where the photography takes place and might or might not offer their services at other locations.

There’s a large group of people who make their living as a...

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Insurance for Cleaning Service Businesses

Whether your business is a maid service, janitorial, or carpet cleaning, having the right insurance will protect it from costly lawsuits if something goes wrong. There are certain insurance policies that every business needs, these types of businesses included. The two main policies are general liability insurance and property insurance which can be purchased separately or packaged together in a policy called a business owners policy. As these types of businesses have vehicles involved another necessary insurance policy is commercial auto insurance coverage.

Whether your business is a maid service, janitorial, or carp...

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