Does Your Business Need Directors and Officers Insurance?
February 27, 2026
You have finally made it. Maybe it’s a business you’ve built into a profitable, self-sustaining firm or a nonprofit you’ve nurtured into an active organization. You’ve grown beyond what one person can responsibly handle. You may need directors to oversee your organization’s objectives, and officers to implement policies and manage operations.
When you bring in additional...
Indoor Air Quality and a Healthy Workplace
February 27, 2026
As your employees work at their computers or perform other jobs, are you aware of the quality of the air they breathe?
Good indoor air quality is essential. However, chances are your office building and work setting may contain significant sources of indoor air pollution. Sources include: Air fresheners Asbestos (from insulation and fire-retardant building supplies)...
Insuring Your Commercial Property During a Vacancy
February 16, 2026
Commercial property owners are struggling to balance a positive bottom line as tenant vacancies and insurance premiums increase.
According to Moody’s Analytics’ Q4 2023 Preliminary Trend Announcement, commercial real estate is in limbo. Their analysis revealed the following trends: Multifamily, office and industrial spaces declined in rentals and sales High interest rates squeezed funding and refinancing...
Starting a New Business? Make Insurance Part of Your Plan
November 21, 2025
Whether you’re starting a new business out of necessity or you’re a natural entrepreneur, you need the right insurance to protect yourself from property and liability losses. Here, we’ll look at the most widely needed types of insurance for businesses.
Property insurance
There is a basic insurance package that works for a broad range of small startups....
Contingent Business Interruption Coverage for Cyber
November 20, 2025
Business interruption (BI) insurance typically covers physical damage to a commercial space insured by a commercial property policy. However, business interruption and loss of income can also occur due to a cyberattack. Without physical damage to your commercial property, you most likely won’t be insured for a cyber-related business interruption.
For that, you’d need a specific...
Buying a Local Business: What Are Your Insurance Issues?
September 5, 2025
Are you looking to buy another company? Folding its property, customers and employees into your organization is no small feat. Even if you plan to keep it as a subsidiary, you need to do full due diligence on the insurance aspect of the deal. This rundown can help you prepare so your transaction doesn’t fall...
6 Tips for Expanding Your Business Footprint
September 5, 2025
The past few years have been tough for many businesses, with most just trying to keep their doors open.
Other businesses manage to thrive in spite of tough market conditions. If your company is one of these, you may now be looking to grow or expand your business footprint. Whether you are opening new locations, offering new...
What Is Professional Liability Insurance?
July 24, 2025
Professional liability insurance is commonly purchased by professionals and service providers to protect against claims of financial loss due to a failure to meet their profession’s standard of care.
Professional liability, also referred to as errors and omissions insurance, typically covers negligence, errors, omissions, and other mistakes you may make that could financially harm a client....
What Are Some Common Exclusions On Commercial Policies?
July 10, 2025
While today’s commercial insurance policies provide broad coverage, all policies contain exclusions — things the insurer doesn’t cover under that particular policy. But this doesn’t mean you cannot obtain coverage. You usually can through a separate policy designed specifically for that risk.
Let’s look at some common exclusions.
Wear and tear
Most commercial property policies exclude losses that...
