Even the best run businesses are accused of heinous acts. Sometimes the allegations are unfounded. Sometimes the deeds are perpetrated without the knowledge of the owner. In either case, the business may find itself with major issues to navigate. What would your business do if someone sued for sexual harassment, discrimination, wrongful termination, or a host of other employment related …

We live in a digital world. This has caused many good things for society and businesses. Unfortunately, this digital world has some very bad people looking to exploit your data and steal the identity of your customers. If you store medical information, social security numbers, credit card numbers, etc., there are criminals all over the world that would love to …

If you’re a professional (i.e. a funeral director, CPA, physician, architect, realtor, etc.), your general liability policy will not cover the damages you cause while performing a professional service. If you check the wrong box on an application or fail to submit the proper paperwork, those mistakes can have huge consequences. Fortunately, the solution is simple. You need a properly …

Wishful thinking won’t provide coverage when an ‘employee’ is injured on the job, ONLY a properly structured work comp policy will. “I thought my general liability policy covered that?” Sorry but it doesn’t. “I pay him with a 1099. Am I still responsible?” Yeah, you probably are. There are so many factors to consider; exemptions, credits, dividends, claims, drug free …

Watching a well-organized category 5 hurricane head straight towards your city can be a gut wrenching experience. A whirlwind of questions may swirl through your head at that moment. Do I have wind coverage? What is my deductible? What happens if I can’t reopen for months? Like most things in business, preparation is key. The time to figure out these …

If your business has vehicles on the road, you’ve assumed a tremendous amount of risk and responsibility. Auto accidents are easy targets for aggressive attorneys. Even minor accidents with little or no damage to the autos can have astronomical cost for injury to the occupants. Just imagine when there are serious injuries or loss of life, this can be catastrophic. …

Attorney ads asking if you’ve been hurt are everywhere. From billboards to city buses, there’s no escaping them. If someone hurts themselves at your business or because of your business, they will certainly be getting an attorney. Shortly after, you’ll be getting a demand letter from that attorney. That could be a moment of tremendous fear and uncertainty or you …