You know that your business needs a cyber liability policy, but trying to understand what will and won’t be covered can be as challenging for some small business owners as trying to complete the application. So, when looking for a policy that fits your needs, what are some key coverages that you should focus on? [...]

Your vehicle is broken into and your laptop is stolen. This laptop had the ability to access your auction software which has the confidential information of your clients on it. An employee inadvertently downloaded a destructive computer virus onto the company’s network resulting not only in data loss for your company, but it was also [...]

Have you ever forgotten something at the office and sent an employee back in their auto to grab it? Or ran out of change prior to the auction and sent someone in their personal auto to the store or bank to get more? What about someone who is working on your behalf and they drive their [...]

Using independent contractors (IC) can have quite a few advantages, but it’s important to understand that there is a significant difference in how an IC is treated for tax purposes versus how they are treated for insurance purposes. Take a moment to think about these scenarios: An IC who has been used for years is [...]

As inflation hits a 40-year high and gas prices seem to keep going up, this may be a good time to do an insurance check-up (due diligence) on the companies that you are using as vendors. Just like a number of individual households, there are many companies who are struggling to manage the current economy [...]