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Licensed and Insured
Insuranceguru September 08, 2013
You see the signs on the sides of contractor’s trucks “Licensed and Insured.” This is supposed to give the person or business that hires the contractor a sense of security. Contractors and small business owners [...]
read moreIndependent Contractor or Employee?
Insuranceguru August 28, 2013
The phrase “1099 employee” is spoken many times during our conversations with Human Resources Managers and owners of information technology companies. It seems to be difficult for businesses to determine the status of workers for [...]
read moreTransferring Risk from Businesses to Insurance Companies
Insuranceguru August 13, 2013
Commercial General Liability (CGL) is a form of property and casualty insurance that business should have to protect them against liability claims. It mitigates the risks and costs associated with a business being sued. Instead [...]
read moreDeductible Decoded
Insuranceguru July 23, 2013
Deductible is a term we all relate to insurance. If you have ever had health insurance, car insurance, or property insurance, then you have most likely dealt with a deductible. So why is it there? [...]
read moreTips for filing an insurance claim
Insuranceguru June 23, 2013
Believe it or not, most businesses rarely have to ever submit a claim to their insurance company. But, when property is damaged or liability issues arise you will need to file a claim with your [...]
read moreImportant Information About Health Insurance Exchanges
Insuranceguru May 23, 2013
The new Federal Health Care Reform Law requires all employers to notify their employees about the availability of public health insurance exchanges before October 1, 2013. On Wednesday, May 8, 2013, model notices were released [...]
read more5 Things to know about Personal Umbrella Liability Insurance
Insuranceguru May 10, 2013
5 Things to Know About Personal Umbrella Liability Insurance In today’s unpredictable, finger pointing world, people can sue you for just about anything so it is important to protect yourself and your money. Without umbrella [...]
read moreWhat is Workers Compensation?
Insuranceguru April 28, 2013
What is Workers Compensation Insurance? If you are injured on the job you will require compensation for lost wages and medical bills. But who do you go to for compensation? Before workers compensation laws were [...]
read moreHow Errors and Omissions Can Protect Your Business
Insuranceguru April 14, 2013
Professional liability insurance has many names. You can call it professional indemnity insurance, errors and omissions or malpractice insurance. The name depends on the profession you are in. For instance if you are a physician, [...]
read moreWhy do I need General Liability Insurance?
Insuranceguru April 06, 2013
Why do I need General Liability Insurance? You may not see a direct need for your business to have general liability insurance. The question “Why would I need general liability insurance?” is one an insurance [...]
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