June is Pride Month, and every year, many of us use this opportunity to participate in festivals, parades, and other celebrations that commemorate LGBTQ+ culture and activism throughout the years. The first Pride Month began in June 1969 when Stonewall Inn, a gay club in Greenwich Village, was raided by police. Although the resulting riots had many leaders, Marsha P. Johnson, a black, trans, bisexual woman, spearheaded the movement, which went on for six days. It served as a worldwide catalyst for other similar marches and parades. Celebrating Pride Month There are many ways for you to celebra ..read more

For motor vehicles that are used in business, it is vital to ensure you have commercial vehicle insurance coverage. Personal auto insurance policies are not designed for vehicles that are used for business activities and will refuse to pay for accidents if a vehicle was engaged in business activities. When you have commercial auto insurance, the policy can cover family members performing business duties, employees, and others driving a covered vehicle. What Does Commercial Auto Insurance Cover? If you have a vehicle that you plan on using for business purposes, it is crucial to buy coverage fo ..read more

May is Asian American and Pacific Islander (AAPI) Heritage Month. During this time, it is important to celebrate the incredible cultural and historical contributions of those who are of Asian and Pacific Islander descent in the United States. Observing AAPI Heritage Month Asian Americans and Pacific Islanders have contributed in many profound ways to American culture and society. From literature and art to government and politics, AAPI people have long been part of American culture. This rapidly growing racial group is woven into the fabric of this country, which is why it is important to take ..read more

If you own a business that only operates during certain seasons, it makes more sense to have seasonal business insurance. Seasonal business insurance can provide coverage for businesses that only operate for a limited window of time during the year. It can also provide business income protection for full-time companies with less busy seasons. Continue reading to learn more about seasonal business insurance and how you could benefit from it. What Kind of Protection Does Seasonal Business Insurance Provide? Businesses like firework stands, fairs, and swimming pools, which only operate during the ..read more

No business owner wants to have injured an injured employee. Reducing the risk of accidents and injuries is a critical aspect of good management, in every industry. Employees who have been trained with customized worker safety programs are far less likely to be injured when performing the duties of employment – and file a claim with your workers’ compensation insurance provider. Every claim filed with your insurance provider will lead to increased premium costs, and in some industries, may lead to OSHA fines for violations of workplace safety standards. How to Reduce Workers’ Compensation Clai ..read more

One thing is certain. If you own a business, you need business insurance. Without it, you would face paying out of pocket to defend legal claims or pay judgments against your company. This could be financially devastating for many businesses. The question is, what types of coverage do you need to best protect your business? Do you need general liability, professional liability, or a BOP? General Liability Insurance Also known as commercial liability insurance, general liability is designed to help cover liability claims against a business. If a third party sues you, it covers court costs, atto ..read more

A home based business is any business with its primary office located in the owner’s home, regardless of type or size. Many well known companies began as home based, including Apple, Baskin-Robbins, Hallmark, and Purex, as stated by Entrepreneur. With so much that can be done online, operating virtually from home is more feasible than ever today. A business operated from the comfort of your home is still a business, and it needs to be insured, the same as any other operation. Homeowners insurance and renters insurance will not cover home based businesses. With the potential for business liabil ..read more

February is Black History Month, officially designated as such by every U.S. President since 1976. It is a time for recognizing the significant role African Americans have played in U.S. history and celebrating their achievements. Various organizations join in paying tribute to the generations of African Americans who have struggled to achieve full citizenship and recognition in the culture. These organizations include: National Endowment for the Humanities National Gallery of Art Library of Congress National Archives and Records Administration National Park Service Smithsonian Institution Un ..read more

If you own a business, you need business insurance. No matter how unconventional your enterprise is, be assured, you have some exposure to risk. The following are unconventional businesses that still need insurance. Dog Walker Professional dog walkers need strength and stamina to keep up with the pets in their care. They also need financial protection in case of an accident. A basic dog walking business insurance policy should begin with comprehensive coverage, such as general liability, business personal property, and animal bailee coverage – additional protection in the event of injury, deat ..read more

Your business’s workers’ compensation policy protects against lawsuits filed by injured employees. The trade-off is the cost of these policies eats into your profits. Every workers’ compensation policy is slightly different, and it is important to know what it does and does not cover. Your Workers’ Compensation Policy – Are You Getting the Best Deal? Essentially, workers’ compensation covers injured or ill employees in job-related cases. These policies pay for: Medical care Ongoing treatments A percentage of lost wages Disability benefits Funeral costs  A workers’ compensation policy w ..read more