If you venture inside any major retailer, department store, or big box store, you're likely to see a wide array of holiday décor and items for sale. Although the holiday season is the busiest season for both small and major retailers, it can also come with major risks for the business and its owners. In today's blog post, we'll highlight four major risks retailers face during the holiday season, and some simple ways business owners can manage and reduce their risk exposure.

Business owners typically secure commercial insurance to protect their company from damages caused by theft, fire, floods, and utility disruptions. However, another type of threat looms large for many businesses: civil lawsuits. Unfortunately, many businesses forgo insurance protection from lawsuits because they falsely believe they won't be sued, or they are unaware that such commercial insurance protection exists.

At any given time, companies can experience interruptions to their daily operations due to a number of causes, such as power and utility outages, fire, theft, vandalism, or lightning strikes. Although Commercial Property insurance can cover the cost of replacing or repairing damaged company assets, it does not provide any assistance for companies to cover existing expenses during the business closure. Thankfully, business owners can get help covering existing expenses and keep their business afloat with Business Interruption Insurance.

With Halloween less than a month away, many businesses have begun planning out their Halloween festivities and parties, whether for employees or customers. Activities might range from simple costume or pumpkin decorating contests to full-blown parties with alcohol, live music, and spooky events and games. Although Halloween can be a great opportunity for companies to attract new customers, or provide a fun event for employees, there are some risks with Halloween parties and activities that can pose liability threats.

Houston continues to develop new commercial, office, and residential properties at an astounding rate, far surpassing economic growth in other areas of the country. Our city's robust economy allows many individuals to take a leap of faith and become small business owners. However, owning a small business such as retail shop comes with both high rewards and high risk. Thankfully, there are proactive steps retail shop owners can take to minimize risk and protect their business.

As businesses change and expand, so should business insurance coverage. After all, the commercial coverage needs of a brand-new business are very different than insurance needs after several years in operation. Having the right type and amount of commercial coverage ensures that businesses and owners have the financial protection in place to recover quickly if disaster strikes. In today's blog post, we'll look at three key examples of when business insurance coverage should be updated and increased due to changes in the company.

Businesses are often looking for new ways to boost morale and reduce stress in the workplace. A new trend among small businesses is to allow employees to occasionally bring their pets to work with them. Although this option is growing in popularity, the decision to allow pets to enter the workplace does come with some serious liability risks for businesses of all sizes. In today's blog post, we'll look at the risks of allowing employees to bring their pets to the office or worksite.

Houston businesses need commercial insurance coverage to protect their company, business assets, and their employees. However, some companies and industries need a wider range of insurance coverage due to higher rates of incidents and claims, or greater risks involved with day-to-day operations. In today's blog post, we'll look at why the Restaurant Industry faces higher insurance risks, and how restaurants can better protect themselves from liability claims.

A large number of Texas businesses rely on commercial fleet vehicles to make service calls, deliver products, and meet with clients and vendors. Over time, commercial fleet vehicles can wear down over time, and the business may become negatively impacted by vehicle breakdowns or repairs. In today's blog post, we'll highlight four tips to help commercial fleet vehicles last longer to protect the company's investment and eliminate service or transportation delays.

There are a myriad of risks that small-business owners face, including theft, weather disasters, and unfavorable online reviews. However, one of the most common threats to any business comes from General Liability lawsuits. Thankfully, businesses can take proactive steps to reduce these largely preventable claims and protect the future of their company. Today's blog post will highlight four simple tips that can help reduce a company's exposure to General Liability lawsuits.