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Small Business Articles

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A business owners policy (BOP), which is also called property and liability insurance, is a policy that combines property insurance and liability insurance. It’s a streamlined approach to small business insurance that makes it easy for owners to protect their companies and property.

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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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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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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.

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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.

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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.

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If you own a small business, you know you face business risks and may wonder, “What are some common general liability insurance claims?” That’s an important question, as the answer can help you understand whether you need general liability insurance (most businesses do) and if so, how much.

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In some instances, your client may request that you provide them with something called a waiver of subrogation. Also called a waiver of transfer of rights of recovery, this waiver, which is associated with your small business insurance, means that your insurer gives up the right to seek payment from your client if it’s determined that the client or one of its employees was partially responsible for an incident.