Small Business Articles

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Operating any type of business involves risk or liability. Fortunately, there is small business insurance that can protect you from the financial impact of those risks. Two of the many types of coverage available are professional liability insurance (also called errors and omissions or E&O insurance) and general liability insurance. When it comes to general liability versus professional liability, it can be difficult to know which type of coverage you need. Read More

Teaser Doesplmeritlesslawsuits 1189829021

People who make a living providing professional advice or services to clients are required to adhere to certain standards and best practices for their industry. If that describes you or your company, you face the risk that a client may feel that you made a mistake that adversely affected them and sue you for the financial damages they believe were caused by your error. Read More

Teaser Comm.Ins. 1197257945

Every business faces risk—things like employee injuries, visitor slip-and-fall accidents, professional “errors and omissions,” and work-related auto accidents. The liability and financial loss from these types of incidents and many others can devastate a small company that isn’t properly insured. Read More

Teaser Wcpayrollaudit 1193140258

A workers’ compensation payroll audit is an industry-standard process that helps ensure you are paying the right amount for your insurance. | Get details. Read More

Teaser Bopandgldiff. 513602205

A business owners policy (or BOP) and a general liability policy have many things in common. For example, they both provide protection from financial liability for many types of incidents. This includes accidental damage to customer property and injury to non-employees on the policyholder’s property. Read More

Teaser Commumbrellapolicy 1209107628

Small businesses that have purchased insurance policies like workers’ compensation, general liability, and professional liability (also called errors & omissions or E&O) from biBERK will sometimes ask, “Do I need a commercial umbrella insurance policy?” Read More

Teaser Neede&Oins. 1180532869

Small business owners who provide professional advice or services often ask, “Do I need errors and omissions insurance?” The answer in virtually all cases is, “Yes, you do.” Errors and omissions insurance (sometimes written as E&O or E and O insurance) is professional liability insurance that protects businesses from claims by clients that the company’s employees made a mistake or neglected certain required actions. Read More

Teaser Comm.Carins.Cost 856730690

If you use cars, pickup trucks, or other vehicles in the course of doing business, you need commercial car insurance. Having proper coverage can keep you from having to pay for bodily injury liability, property damage liability, medical expenses, damage to your own vehicle, and other expenses out of pocket. Read More

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A small business insurance deductible is an amount you pay toward each insurance claim you’re filing. The amount is indicated in your insurance policy. For example, you might have a $500 deductible on a commercial property insurance policy. If the cost of a claim covered by that policy is $2,000, you pay $500 and your insurance company pays the remaining $1,500. If a claim totals $450, you cover that cost. Read More