Unforeseen shutdowns of businesses can occur at any time, whether because of fire, theft, utility outages, or windstorm damages. When a business is forced to temporarily close, it can often lead to a permanent closure because of the company's inability to cover both the building repairs and the ongoing expenses such as rent, taxes, and employee wages. What options do businesses have if they face monumental expenses and repairs in order to reopen their business? Business Interruption Insurance is the solution for businesses facing this scenario.

Contractors perform some of the most important work for homeowners and businesses, handling repairs, installations, upgrades, and maintenance that require the skill, certification, and expertise of a professional. Even with years of experience and hundreds of satisfied customers, a contractor can still face risks on the job, which is why having quality commercial insurance tailored for the contractor industry is crucial.

If you look around your retail store, restaurant, or office space right now, how many potential hazards do you see? At first, you might say "none," but take a closer look. Do you have retail merchandise stacked a little too high, where it could fall down onto a customer? Are there any cracks in your restroom tile or uneven sections of office carpet that could trip a vendor or client? Does your company's parking garage lack adequate lighting in stairwells?

Changes happen in all facets of business, whether it's expanding your company, buying equipment, hiring or firing employees, relocating, or making other important business decisions. Although many of these changes can impact commercial lines of insurance coverage, it can be hard to know when these changes mean cancelling or simply adjusting current insurance coverage. In today's blog post, we'll detail how consumers can know whether they should adjust their coverage, or if the policy should be canceled altogether.