Small Business Articles

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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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As important as insurance is for small businesses, it’s not uncommon for busy company owners to be unsure about why they need it, where to get it, the fact that coverage can be tailored to their needs, etc. We know this from our interactions with customers and prospective customers all around the U.S.

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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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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Businesses will sometimes indicate that they are “bonded and insured,” but what does being bonded and insured mean exactly? And does it matter if a business is bonded and insured?

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A business owners policy or BOP (also called property & liability insurance) conveniently combines general liability insurance and commercial property insurance.

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Workers’ compensation insurance—also called workers’ comp insurance and workman’s comp insurance—is crucial coverage for every company that has employees. In most cases, it’s required by law.

Small business owner viewing COI on phone

If you’re wondering, “What is a Certificate of Liability Insurance?” or “What is a COI?” which is short for Certificate of Insurance, it’s a document that proves you purchased an insurance policy that protects you from business liability.

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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.