According to the National Bureau of Labor Statistics, three out of 10 homeowners operate a business out of their home. More than 66% of the estimated 20.7 million people who work at home are self-employed and run a home-based business. It is estimated that more than half of home-based business owners are under insured, and the Independent Insurance Agents of America (IIAA) worry that nearly 40% of those surveyed are uninsured.

Many of these incorrectly believe their homeowners policy covers their business. read more

According to the National Bureau of Labor Statistics, three out of 10 homeowners operate a business out of their home. More than 66% of the estimated 20.7 million people who work at home are self-employed and run a home-based business. It is estimated that more than half of home-based business owners are under insured, and the Independent Insurance Agents of America (IIAA) worry that nearly 40% of those surveyed are uninsured.

Many of these incorrectly believe their homeowners policy covers their business. read more

Running a business is an endless challenge to gain and keep customers, control expenses, outwit the competition, and keep a productive and efficient workforce. You also have to prepare for ordinary but potentially critical threats to your company's survival. read more

Faced with the very real possibility of a lawsuit arising at some point in their careers, today's professionals have become savvier about protecting themselves. read more

As a business owner and consumer you receive your insurance policy, pay your premium, and assume all is good because you believe you have 'full coverage.' Do you know for sure which coverages you have or don't have? Not knowing could lead to a very expensive lesson! read more

Despite the attention brought to the subject by hurricanes Katrina and Rita two years ago, and some local episodes that fall and since, many individuals and businesses continue to ignore the real possibility of suffering severe property damage resulting from a flood. read more

If you are not careful, you could unknowingly be taking on your subcontractor's workers' compensation insurance, costing you much more in premiums and affecting your claims experience. In some instances, even with a certificate of insurance, you may still be assuming the exposure those subcontractors. read more

If your business relies upon and operates commercial vehicles to get your work done, then the expense of keeping those vehicles on the road is probably a significant cost center for your company. But how much do you really know about the factors that impact the cost of your business automobile insurance? read more

You don't have to go far to hear disturbing news of a disaster crippling a local business - a fire, an explosion, etc. All systems are down, and day-today business operations come to a standstill.... read more

You are living your dream. The day has finally arrived where you are now working for yourself. You are running your own business, you answer only to yourself. It was a long process, corporation filings, working with the bank... read more