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”
With the rights of same-sex couples to marry protected by federal law, transgender rights have become the latest frontier in nondiscrimination law. What laws pertain to transgender employees in the workplace, and what happens to employers that violate them?
The Transgender Law Center estimates that between 2 and 5 percent of the population is transgender, although little verifiable data exist. Title VII of the Civil Rights Act of 1964, Continue reading “Transgender Employees: The Latest Discrimination Frontier”
In some states, policy on marijuana has turned a full 180 from the “reefer madness” scares of the 1950s and 1960s. But have your insurance coverages kept up? Now 23 states, plus the District of Columbia and Guam, allow the medical use of marijuana. Four states, plus the District of Columbia, allow recreational use by adults. Continue reading “Marijuana and Your Insurance”
Scheduling regular policy reviews can ensure your business has the coverage it needs, when you need it. If you haven’t reviewed your coverage lately, the beginning of the year is a great time to take care of this important housekeeping matter.
Scheduling regular policy reviews can ensure your business has the coverage it needs, when you need it. If you haven’t reviewed your coverage lately, the beginning of the year is a great time to take care of this important housekeeping matter. Continue reading “What to Do in Your Annual Insurance Policy Review”
Every organization’s business plan should include a section on risk management. If your business plan doesn’t address your risks, take a look at the following areas to start. Continue reading “Risk Management for Small Business”
When you renewed your commercial property or business package policy, your insurer might have included a notice regarding terrorism insurance coverage. What’s this all about?
How many times have you signed a contract that requires mediation or mandatory arbitration of disputes? Do you know what you’re signing?
In alternative dispute resolution (ADR), a neutral third party helps parties to a dispute reach a resolution outside of the court system. The most common types of ADR are mediation, arbitration and mini-trials. Continue reading “Alternative Dispute Resolution and Your Legal Rights”