As a building owner leasing office space, you face unique risks that can impact your property and your income. Lessor’s Risk Only (LRO) insurance is a specialized policy that protects you against these risks, safeguarding your investment. Here's why LRO insurance is a critical safety net for property owners:

When you run a cleaning or janitorial service, you focus on keeping spaces spotless and ensuring customer satisfaction. However, even the cleanest operations face unexpected risks. From damaged property to employee accidents, cleaning and janitorial insurance is essential to protect your business from financial loss. Here’s why it’s a smart investment:

If you're a consultant, whether in finance, marketing, IT, or another field, your expertise and advice are invaluable. However, providing professional guidance also comes with risks. Even the most skilled consultants can face legal claims or disputes, making consultation insurance essential for protecting your business. Here’s why you need it:

When operating in the wholesale industry, your business is exposed to unique risks. From managing large inventories to maintaining smooth supply chains, one critical element often overlooked is wholesale insurance. This coverage is essential to protect your operations, assets, and financial future. Here’s why wholesale insurance is a must for your business:

In the shipping and logistics industry, there’s a lot that can go wrong. From lost packages to damaged cargo, your goods are constantly at risk while in transit. That’s where shipping and logistics insurance comes into play. Here's why this coverage is essential for your business:

Operating in the global trade industry, importers and exporters face unique challenges. From navigating international regulations to managing shipping logistics and protecting high-value goods, your business is exposed to numerous risks. One wrong move could lead to costly delays, lost shipments, or damaged goods. That’s where comprehensive insurance coverage comes in.

Running a trucking business comes with a unique set of challenges and risks. Whether you're managing a single truck or an entire fleet, every mile driven exposes your business to potential accidents, cargo theft, liability claims, and equipment damage. With rising operational costs and strict regulations, protecting your trucking business with the right insurance is more important than ever.

Running a dealership or distribution business involves handling valuable goods and navigating complex risks. From inventory protection to product liability and potential legal claims, your business faces unique challenges every day. Without the right insurance coverage, a single event can result in major financial losses.

Owning property is one of the most significant financial investments you can make. Whether it’s a home, commercial building, or rental property, your assets are valuable—and vulnerable to various risks like natural disasters, accidents, theft, and even lawsuits. Without the right insurance, these unforeseen events can lead to financial ruin.

As the legal cannabis industry continues to grow at an explosive rate, so too do the risks associated with running a cannabis business. Whether you’re cultivating, processing, or selling cannabis products, your business is exposed to unique challenges—from regulatory compliance to product liability and even theft. The best way to protect your business from these risks? Comprehensive cannabis insurance.

Owning a retail business is rewarding, but it also comes with its own set of risks and challenges. From keeping your shelves stocked and customers happy to managing employees, your plate is always full. But what happens when the unexpected strikes? Whether it’s a natural disaster, a customer injury, or a cyberattack, having the right insurance coverage can mean the difference between a minor setback and a major business catastrophe.

The construction industry is known for its dynamic, high-risk environment. Whether you're a small contractor or managing multi-million-dollar projects, the reality is that every job site is exposed to potential hazards. From unexpected accidents to legal claims and equipment theft, one wrong turn can threaten your entire operation. That’s where construction insurance steps in as your ultimate safety net.

The craft beer industry has been built by passionate, talented brewers, who have invested their time and energy to create new flavors and brewing techniques. As the brewery grows, business risks arise that should be addressed before something goes wrong. These tips cover some of the basics of brewery risk mitigation.

Employment Practices Liability Insurance or “EPLI” is a form of business insurance specifically to protect against employment-related lawsuits. While the suit may not be accurate, once filed, you will need to defend against the case, which can prove to be very expensive without this type of insurance. The right Employment Practices Liability Insurance can help you get through challenging legal situations without sustaining severe financial losses. There are four things to know about this type of insurance:

A surety bond is a contract that ensures specific obligations are met. These bonds are often required for contractors working on government contracts. They are performance-based. A surety bond is a guarantee between three parties. The parties in a surety bond are:

The time to recession-proof your business is before the economy starts to downturn. Later may be too late to turn the ship around. Careful planning and taking specific steps now can help you prepare your small business for future downturns and marketplace changes.

If you are practicing medicine, malpractice insurance is a must. Myths and misunderstandings surrounding professional liability insurance for doctors make the subject more complicated than it is. Here are some common medical malpractice insurance myths,

Your company has specific needs for commercial auto insurance coverage. How much coverage should you have in place for liability, comprehensive coverage, collision coverage, and medical payments? Your company may rent certain vehicles from time to time, or you may have employees who use their personal cars or trucks for company business. Regardless of the type of coverage, you need to protect yourself and your business against both uninsured and underinsured drivers.

If an unexpected accident takes place at your facility or office, or a lawsuit related to a product or service is filed against your business, the general liability insurance you have in place should cover your losses, including the legal costs involved in defending against it. A general business insurance policy should cover you against injury lawsuits, false or misleading advertising lawsuits, accusations of slander, and copyright infringement, as well as property damage to your place of business if you are tenant rather than the owner of the property.

However, business owners are not as helpless as they may feel in controlling the cost of workers’ compensation insurance. Our knowledgeable agency is available to assist with loss control in several different ways. The following strategies can effectively help you keep your workers’ compensation costs to a minimum.