Small Business Articles

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There are many risks in business offices. A visitor slips on a wet floor and injures their back. An old microwave oven shorts out and causes a fire that damages a breakroom. An employee backs a company car into another vehicle in a parking lot. Any of these incidents, and many others, can result in you being found liable for monetary damages.

Teaser Article Insurance For Engineers 1164943307

Engineering work is complex and involves unique expectations and financial risks. Then, of course, there are the general risks that all businesses face. So, it’s important for engineering firms to assess their risks and get business insurance to cover them.

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Any business can become the target of a lawsuit from someone who feels the company injured them in some way—physically or financially. However, there are steps you can take to protect your business and minimize the risk of a small business lawsuit. You can also prevent serious financial harm to your company by having the right small business protection through insurance.

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Employees rely on the benefits you provide them—health insurance, for example. They need to know that the coverage will be there for them when they need it.

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Company owners face many challenges in running a successful business. One of them is creating and maintaining an environment where each employee believes the company and their fellow employees are treating them fairly.

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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.

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A hold harmless agreement, which is sometimes called a hold harmless letter, is a “release of liability” clause, typically in a contract, that indemnifies and protects one party from the financial consequences of damage or injuries caused by another party. One party agrees not to sue the other, and also to pay the costs that the party might incur for certain events.

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Wherever you are in the U.S. there’s a risk of inclement weather negatively impacting your business. From tornadoes and hurricanes to blizzards and severe thunderstorms, the potential for property damage and business interruption is ever-present and something you have to be aware of.

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Cyber liability insurance—which biBERK sells conveniently as an add-on to a general liability, professional liability, or business owners policy (BOP)—protects your business from the financial repercussions of a cyberattack if someone steals sensitive information and commits fraud, or there is reason to believe that they might.