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.

Thieves have gotten smarter and more industrious in finding ways to steal from businesses across the country. Whether it's stealing raw materials like copper, expensive equipment such as computers and tools, or hacking into computer networks or financial records, thieves are always looking for an easy way to quickly steal as much as they can.

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.

We live in a digital age, meaning that technology impacts all facets of our lives, including personal banking, shopping, communication, and especially the business world. Millions of businesses around the world rely on technology to produce products, promote and sell services, reach customers, and secure sensitive company, financial, and customer data.

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?

The United States is home to some of the best dining cities in the world, offering dazzling arrays of diverse cuisines and inventive dishes. From small, rustic cafes to opulent, breathtaking dining rooms, chefs and owners strive to grow their restaurants and establish a place in their local dining scene. Unfortunately, there can be obstacles to a restaurant's growth and success, but having the right kind of commercial insurance protection can help restaurants and cafes weather any kind of storm.

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.

Business owners face a number of obstacles in the process of creating and establishing their companies. Common obstacles for growing companies include marketing challenges, competition from nearby businesses, hiring and keeping the best people, and reducing expenses. However, one of the most significant obstacles a business can face comes from lawsuits, either from former employees, customers, or other companies.

Contracts are a part of life for businesses, regardless of their size or industry. They may range from the simple, short-term contract to the complex and long-term contracts. However, some contracts require a bit more coverage and protection because of the assets, risks, and contract requirements involved. For these reasons, some contracts may require companies to secure additional commercial insurance coverage.

When a business is forced to close due to severe weather disasters, major repairs, utility outages, or other disruptions, it can cause significant revenue and customer losses. For example, the Federal Emergency Management Agency (FEMA) reports that nearly fifty percent of businesses are unable to reopen after a catastrophic event. The key to minimizing business closures after a major disaster is early preparation, and this starts with developing an effective Business Interruption Plan.