Business owners understand that Commercial Insurance is vital for protecting company property, structures, vehicles, tools and equipment, employees, and the company at large if disaster strikes. However, Commercial Insurance doesn't just protect your business and assets from disasters that strike during your hours of operation, but also for what happens when you're closed for the evening, holidays, or other times of the week. Our Aegis blog post looks at the three most common causes of commercial property damage when the business is closed.

After witnessing the devastation brought by Hurricanes Harvey, Irma, and Maria last year, business owners across the Gulf Coast will have a weary eye on the tropics as hurricane season begins in just a couple of months. However, businesses have the opportunity to take actions now that can help limit business closures, mitigate potential income losses, and reduce damages in the event our region is struck by another hurricane or major weather event. In today's Aegis blog post, we look at three things companies should be doing now before the start of hurricane season on June 1.

Nearly eight months ago, business owners throughout southeast Texas were devastated by Hurricane Harvey, a torrential storm that brought record-shattering rainfall and widespread flooding. Thousands of companies throughout the Gulf Coast were left with no electricity, damaged buildings and assets, and substantial losses and cleanup.

In a recent blog post, we looked at how restaurants may have different commercial insurance needs over time because of changes in size, business assets, and employee rosters. Today we continue on the same theme of restaurant insurance by looking at other liability exposures that are more prevalent in the restaurant industry, and how the right kind of coverage can help mitigate these risks.

Texas is home to some of the nation's most dynamic restaurants, with dining options ranging from tiny mom and pop cafes to world-class gourmet cuisine. No matter the size, cuisine or price range, restaurants all need Commercial Restaurant Insurance in order to operate and protect their business. However, the Commercial Insurance purchased when the doors first open may not meet the unique needs of restaurant owners after the business has been established and flourishes over time.

While students are taught history, science, grammar, and math in school, few ever get an opportunity to learn about real world information needed as an adult, such as how to file income taxes, the ins and outs of a mortgage, or how insurance works. As a result, many young people leave high school or college without understanding what kind of insurance they need, how it works, or how it can help in the event of a disaster. In addition, many individuals, families, and business owners can end up getting the wrong kind of coverage for their needs.

Disasters and life events always bring with them lessons for the future, whether you're directly impacted or have just narrowly avoided a disaster. These lessons may come from natural disasters like Hurricane Harvey, life events like medical emergencies, or accidents like a car crash. In these situations, consumers can learn something about their financial security and protection when it's needed most. One of the more common things people learn after a disaster is that they might have a gap in their insurance coverage.

Companies across the country are finding themselves in uncharted territory as a growing number of Americans workers speak out and stand up against workplace harassment and discrimination. While many companies are taking great strides to train and educate employees on proper workplace attitudes, behavior, language, and conduct, they could still find themselves liable if an employee is harassed, treated improperly, or suffers discrimination in the workplace.

All business owners understand that there are always going to be elements of risk on a daily basis as they run their business. While many of these risks are obvious and easily preventable, some might be not as obvious to property owners. One of the most dangerous but commonly overlooked liability risks for commercial property owners comes from the trees and landscaping on a property. If not properly maintained, a commercial landscape can quickly become the cause of personal injuries, property damage, or liability claims.

If you're a small business owner, you understand that some clients and customers require different care or services based on their current situation, unique needs, or future goals. For example, if you own a restaurant, you probably won't stay in business for very long if your only menu item is a cheeseburger, cooked the same way with the exact same condiments for all customers.