Business Risk Protection
Steps to get a professional indemnity quote
Steps to Get a Professional Indemnity Quote: A Real-World Guide Steps to Get a Professional Indemnity Quote I remember the first time I applied for professional insurance. I had a contract waiting to be signed, and the client required proof of insurance by Friday. I thought it would take five minutes. Instead, I spent three […]
Setting up a basic cyber liability policy
Steps to Set Up a Basic Cyber Liability Policy Steps to Set Up a Basic Cyber Liability Policy I remember the first time I tried to help a client get cyber insurance. I thought it would be like buying car insurance. You fill out a form, pay the fee, and get a policy. I was […]
How workers compensation audits actually work
Workers Compensation Audit Process: Step-by-Step Requirements and Rules Workers Compensation Audit Process: Step-by-Step Requirements and Rules I remember the first time I opened a final workers’ compensation audit bill. I expected a zero balance. Instead, I saw a bill for $3,400 due immediately. My stomach dropped. I thought I had paid my premiums on time […]
Why small businesses need general liability coverage
Why Small Businesses Need General Liability Coverage: A 2025 Guide Why Small Businesses Need General Liability Coverage: A 2025 Guide I remember the first time I realized how fragile a business really is. I was sitting across from a friend-let’s call him Mark-who had just started a small consulting firm. He was smart, careful, and […]
Protecting your home office with business insurance
Protecting Your Home Office with Business Insurance: A Real-World Guide Protecting Your Home Office with Business Insurance: A Real-World Guide I remember the panic I felt three years ago. I was working from my home office when a power surge fried my main desktop computer. I thought, “No problem, I have homeowners insurance.” I called […]