The Liability Coverage Every Business Needs

There are insurance coverages that all businesses need, some that all business should consider, and some that you need only if you have special risk exposures.


Need to Have

Home-based business insurance. The standard homeowners insurance policy excludes liability arising from “business pursuits.” If you have a home-based business, you can buy a rider to add business liability coverage to your homeowners policy, but coverage is limited. With the possible exception of daycare operators, most successful business people will need one or more policies designed especially for businesses.  Continue reading “The Liability Coverage Every Business Needs”

Intern-al Affairs

With the jobless rate for people ages 20 to 24 still higher than 10 percent, many college students might be willing to trade their time for an unpaid learning experience. But there is a legal difference between an employee and an intern. Knowing the difference can help you avoid breaking the law. Continue reading “Intern-al Affairs”

The Truth about Alcohol Abuse and Workplace Injuries

When researching the effects of alcohol on workplace injuries, you’ll likely stumble across a statistic attributing 38 to 50 percent of all workplace injuries to alcohol or drug abuse. If that sounds shockingly high to you, you’re probably right. Continue reading “The Truth about Alcohol Abuse and Workplace Injuries”

Bullying: Another Form of Workplace Violence

A bully in your workplace can affect morale, increasing stress levels for fellow employees—and possibly increasing your workers’ compensation costs. Continue reading “Bullying: Another Form of Workplace Violence”

Insuring Your Home Based Business

About 46 percent of self-employed workers conduct their business from home, according to the U.S. Bureau of Labor Statistics. If you have a home-based business, you have special insurance needs.


The broader availability of wide-band or wireless Internet access and faster, cheaper computers have made working at home an increasingly viable possibility for millions of entrepreneurs. Continue reading “Insuring Your Home Based Business”