The Surprise No Business Owner Wants Workers comp exclusions can feel like the fine print nobody warned you about, until something goes wrong. When Sam, a roofing contractor with five full-time employees, got the call that one of his workers…
Why Timing and Contractors Matter for Roof Replacement Claims The Importance of Timing When Filing a Roof Claim When a storm causes damage, many homeowners are eager to file an insurance claim right away. However, filing too soon or without…
The First 24 Hours Matter Most Here’s a cold truth: the way you handle post-injury workers comp support in the first 24 hours says more about your business than any safety slogan on the breakroom wall. The injury itself? That’s…
Workers compensation for remote workers has become a growing concern for business owners everywhere. With so many employees now working from home, it’s easy to assume that your liability stops once they’re outside the office. But that assumption can lead…
The Growing Threat of Cyberattacks to Businesses Cyberattacks Are Increasing Across All Industries Cyberattacks are escalating globally, targeting businesses of every size. As digital technology integrates deeper into operations, vulnerabilities grow. Hackers employ increasingly sophisticated tactics such as ransomware, phishing,…
What Is OSHA Compliance and Why It Matters When most business owners think about OSHA compliance, they picture inspectors with clipboards looking for any excuse to issue fines. But that view misses the bigger picture. At its core, OSHA compliance…
The Wake-Up Call Brian had everything running smoothly—two crews in the field, phones ringing at the office, and a steady flow of jobs. But one ladder slip changed all that. His top guy hurt his back, filed a claim, and…
If you’ve been searching for a business owners guide to commercial umbrella insurance, chances are you’ve hit that moment every business owner dreads—realizing your existing coverage might not stretch as far as you thought. One small business owner found out…
Understanding Why Insurance Premiums Are Rising The Impact of Higher Repair and Replacement CostsOver recent years, the cost of repairing or replacing homes, vehicles, and other insured assets has increased dramatically. Materials such as lumber, steel, and car parts have…
When “Enough Coverage” Isn’t Really Enough Brian runs a growing HVAC business in the suburbs—three trucks on the road, a warehouse full of inventory, and a handful of employees he trusts like family. He thought he had his bases covered.…