Business Insights

Secure the Safety of Your Business with a Cyber Security Policy

Did you know that seven in ten businesses aren’t prepared for a cyber attack? Today’s dependence on technology opens up a world of possibilities but also raises some cyber protection concerns. Threats of data breaches and computer hacks are real for all businesses – big and small – and while big firms incur the highest costs, the financial impact of cyber-attacks is disproportionately greater for small businesses. If you haven’t already, it’s time to consider investing in a good cyber insurance policy. Cyber security insurance protects businesses against targeted attacks... Read More

Can You Insure Business Vehicles Under Your Personal Auto Policy?

As more and more people are increasingly running their own businesses, what does that mean for your vehicles and auto insurance? Depending on the type of business you own, who operates the vehicles, and what they’re specifically used for, you may be able to keep your vehicles insured under your personal auto policy. The types of businesses that are typically considered acceptable when keeping your business vehicle on your personal auto policy are: Real Estate Agents Consultants Lawyers Sales Representatives Doctors Most any business where you are still the sole... Read More

Prep Your Business Now for Winter

Get ready Colorado. The Farmers’ Almanac is predicting a frigid and snowy winter, with an above-average amount of snow. Keeping this in mind, are you prepared to keep your employees, customers, and business safe in a winter storm? Here’s what you need to know. Know What to Watch Out For When severe weather strikes, you need to protect your building or store, your employees and any customers in the building, and your equipment. Start by inspecting your building for any weaknesses that might lead to structural damage in case of... Read More

Spotlight on Insurance: Worker’s Comp 101

Workers’ compensation insurance is a mandatory policy that protects your employees in the event of job-related illnesses or injuries. In our freshest blog post, we’ll give you the 411 on the value of worker’s compensation insurance to help your business thrive. Here’s the scoop: Workers’ Compensation 101 Every employer needs to ensure that the workplace is safe for all employees. However, accidents happen. Compensation insurance provides financial benefits for employees who experience job-related injuries or illness to reimburse medical expenses and lost wages. The policy is no-fault, so it will... Read More

Employee Attraction and Retention Strategies for the Millennial Generation

Finding and retaining talented employees alone can be a continual challenge for small business owners, however, it can be particularly challenging to attract millennial employees. According to a 2018 Pew Research Center report analyzing U.S. Census data, the millennial generation includes 56 million Americans who make up 35 percent of the nation’s workforce, It is projected that the number of millennials in the workforce will only continue to increase, with some estimates projecting they’ll make up 75 percent of the workforce by 2028. It’s no secret that millennials are the... Read More

2019’s Best Work Perks

Looking to attract and retain today’s top talent? We’ve compiled a list of today’s best benefits and work perks that are attracting the best and brightest. How does your company compare? Work perks that promote financial wellness There is data that shows employees have experienced significant decreases in the purchasing power of their paychecks over the past decade, which is largely due to rapidly rising health care costs. Regardless of the reason, wages just aren’t keeping up with inflation. As a result, many employees find themselves in distressingly tight financial... Read More

Insurance Spotlight: Get the 411 on a General Liability Insurance Policy

For small business owners, general liability insurance is one of the most important types of small coverage you need to protect your business. This insurance not only protects your business from claims of bodily injury but also covers property damage and personal injury that your business might have caused. General liability insurance is a necessity. Without this type of coverage, a single event or lawsuit can cripple your business. It’s important to note that you will need to buy enough coverage to match your level of exposure and decide if... Read More

Accident Insurance: What Is it and What Does It Cover?

Accidents happen. No matter how careful you are, they do, especially when you least expect them. While on vacation, a fall from a ladder or a common sports injury can happen at any time. And beyond the injury, the cost of paying for an accident can be a serious pain. Medical expenses are one of the biggest financial hardships for Americans every year. Accidents are no exception to these expenses: Americans visit the doctor on average 68.2 million times a year to treat injuries. But beyond covering medical expenses, your... Read More

Small Business Planning

Small business insurance planning for both start-ups and existing small businesses is a must. Once you’ve gone into business, protecting that business is essential. Insuring your small business is a must to protect the assets of both the business and the owner and to provide protection against a variety of risks. Two major areas of coverage needed are property and liability.  Both of these types of coverage and more are available as separate policies or combined in a business owner’s policy. General liability insurance protects the business against a lawsuit... Read More

Is Travel Insurance Worth the Cost?

It’s that time of year again. Summer. Time for t-shirts, shorts, sunscreen and that big summer vacation you spent the last few months planning and saving for. If you are getting ready for that big annual family vacation or are a frequent flyer, you have inevitably been given the chance to purchase travel insurance. But do you really know if it is a good deal or not? Anytime you travel extensively, you could be at risk of financial or physical loss. However, there are several things you should know about... Read More