Monthly Archives: December 2015

5 Odd Corporate Insurance Policies

There are insurance policies that any sane business owner is going to have to invest in as soon as they have the cash flow to cover them. Then there are those that are… a little out-there. You might never need any of these policies, but it’s good (or at least interesting) to know they’re available… Read more »

D&O Insurance – Protect Your Key People

In today’s increasingly complex and litigious business environment, your corporate officers and board of directors – the brains of the company – need protection against personal financial liability arising from their corporate activities. These people are highly vulnerable to lawsuits by investors, employees, vendors, competitors, customers, regulators and others, alleging misconduct for a wide variety… Read more »

Retail Businesses – High Risk for Cyber Attack

Retail businesses are in the cross hairs of hackers, according to a recent report from Trustwave, a provider of data security and payment card compliance solutions to businesses. Retail businesses – specifically the cardholder data they possess – were the primary target of cyber criminals in 2012, says Trustwave. About 45% of the company’s investigations… Read more »

Are You A Target?

It’s a reasonable question: Am I a target? Is anyone out there actively trying to steal my information? Are you in an industry that is frequently targeted by hackers, and are you visible enough within that industry to be a target? If you’re running a successful business, then you probably do have enough cash flow… Read more »

Difference Between Commercial Automobiles and Business Automobiles

The difference between personal automobiles and business automobiles is the name under which it is titled. If you use your personal automobile in business, the business should have hired and non-owned automobile coverage to cover the business’ liability of your driving. If the business owns the car, you should either have a personal automobile policy… Read more »

Professional Liability Coverage

What distinguishes products, completed operations and professional liability? A product is a good sold to consumers. Think about “things” when you think about products. Products liability covers the business which manufactures the product against injuries, illnesses or property damage caused by the product. Completed operations are usually contracted building services which have a beginning point… Read more »

“Loose Lips Sink Ships”

Check out some old World War II propaganda posters and you’ll see the phrase “Loose lips sink ships” popping up now and then. Various armed forces have used some equivalent, like the British “Keep mum” posters, Germany’s “Schäm Dich, Schwätzer!” which translates to “Shame on you, blabbermouth!” The essential message is the same: Be careful… Read more »

When Copyrights Can’t Protect You

Copyrights can’t protect everything. Namely, they don’t protect ideas. Copyrights can protect a finished work, a concrete, patented piece of software or an invention. The idea, on the other hand, is pretty much up for grabs. In other words, there’s really nothing to stop, say, a competitor in the mobile games industry from taking a… Read more »

Natural Disaster Crisis Preparation

Hurricane Sandy, tornadoes, flood — all of these disasters affected construction firms during the past year. Some companies took direct hits, while others suffered from massive service demands, and shortages of help and supplies. Although your business might never face such massive “destruction and distress,” other events –everything from IT failure to vandalism — could… Read more »

Hold Harmless Agreements – What is Best for You?

Because construction projects are complex operations involving a number of subcontractors under your supervision, onsite accidents or injuries resulting from their work can easily lead to litigation against you. To protect yourself against claims, losses, and expenses if disputes arise during the project, make sure that all subcontractors sign a “Hold Harmless Agreement” clause. The… Read more »