Sooner or later, a client, general contractor, or property manager will say: “Send me your COI before you start.” A certificate of insurance is one of the most requested documents in contracting, and not having it ready can cost you…
If you run a contracting business, general liability insurance is the coverage you cannot operate without. It is what clients require before they hire you, what protects your business when something goes wrong on a job, and often the difference…
Key Takeaways When you hire your first employee, you take on a category of risk most owners never think about until it lands: a claim that you treated an employee unfairly. Harassment, discrimination, wrongful termination, retaliation — even a claim…
Key Takeaways Winter along the Wasatch Front is beautiful, and hard on businesses. Snow and ice turn your parking lot into a liability, a single freezing night can burst a pipe and flood your space, and a storm can close…
Key Takeaways Property insurance pays to rebuild your building and replace what’s inside. But it does not pay the bills that keep coming while your doors are closed. Payroll, rent, and loan payments do not pause because a fire did.…
Key Takeaways A half-finished building is one of the most exposed things on a job site — open framing, materials stacked on the ground, expensive equipment, and no one there overnight. If a fire or a windstorm hits before the…
There’s no one price for business insurance because your premium is built from your specific risks — your industry, size, coverage, claims history, and more. But “it depends” doesn’t have to be a dead end. Once you understand the handful…
Small businesses are a favorite target for cybercriminals — not because they have the most data, but because they often have the fewest defenses. Verizon’s Data Breach Investigations Report has found small businesses making up a large share of breaches,…
Short answer: if you use a vehicle for your business — hauling tools, making deliveries, driving to job sites, or carrying employees — your personal auto policy may deny a claim after a business-use accident. That’s a very expensive surprise.…
General liability covers the physical stuff — someone gets hurt or property gets damaged because of your business. Professional liability (also called errors & omissions, or E&O) covers the work itself — a mistake, oversight, or bad advice that costs…