Small Business Articles

A customer slips at your print shop, falls, breaks their arm, and sues you. High winds hurl debris into your storefront window, shattering it. An employee making a delivery in your company’s van runs a stop sign and collides with another driver, causing injuries and vehicle damage.

Every business owner should be aware of—and take action on—the risk of cyberattacks. The potential continues to grow steadily as cybercriminals find new and better ways to breach digital defenses.

If you own or operate a liquor store, you know there are many challenges, from staying on top of consumer buying trends to hitting your sales targets.

Laundromats are busy places, with customers coming and going throughout the day and actively attending to their laundry during their visits. Joining them in this “dance” are your employees—assisting them, ensuring your machines are working correctly, and addressing any issues that may arise. It’s an environment that creates a significant amount of risk. That’s why you need laundromat insurance.

All businesses face financial risks, and that includes LLCs. Does an LLC need insurance? Yes, it does.

Electricians know there are physical risks associated with their profession. If you don’t do your work correctly and cautiously, you can be severely injured. But there are also financial risks.

Whatever type of cleaning or janitorial services you provide—for homes, businesses, government entities, etc.—you’re dealing with spaces and property that belong to others. If you or someone working for you accidentally causes some damage, you can be sued.

Helping individuals and businesses manage their money is work that comes with tremendous responsibility and significant risk. For example, one small mistake can be grounds for an expensive lawsuit. Or a simple slip-and-fall accident for a client visiting your office can cause an injury that leaves you liable for the person’s medical bills, lost wages, etc.

A guest slips in your lobby, falls, breaks their arm, and sues you. A storm sends a patio chair through a large window. Someone hacks your computer system and steals customer credit card information. If you own or operate a hotel, you know these are just some of the kinds of incidents that can be very costly for your business—particularly if you don’t have hotel insurance. Hotel insurance is a term that refers to a group of policies that owners likely need.