From an insurance buyer’s perspective, it can sometimes feel as if premium prices change on a whim. But the truth is that the commercial insurance market is cyclical in nature, fluctuating between soft and hard markets: While many insurance buyers, including small businesses, have enjoyed a soft market for years, the market is hardening. As […]

If you receive a letter from your insurance company about the status of your policy, it can be confusing to your overall insurance business plan if you are unfamiliar with the language. However, it is important that you understand the difference between the cancellation of your policy and a nonrenewal. These terms are vastly different […]

By Adam Kiefer CEO at Talage As insurance agent’s we always want to protect our clients, which includes understanding their risk and recommending the products they need. However, not all business owners fully understand or appreciate their risk or what it could mean by not being covered.  I’ve been in the insurance industry for more […]

To protect against this sort of risk, many organizations turn to certificates of insurance (COIs). No matter what industry you’re in, chances are your organization will, at some point, rely on the help of a third party to fulfil certain business needs. Regardless of who you work with, business arrangements with contractors and vendors can […]

Common coverages for home-based businesses include personal business property, professional liability, business income, personal and advertising injury, and loss of business data, just to name a few. Depending on the type of home-based business you have, not all coverages apply, and other coverage options may be available. Just ask us—we can help! What’s Your Risk? […]

Your small business is constantly exposed to a heap of risks and liabilities. Understanding the differences between types of insurance for small business — such as General Liability insurance, Business Owners Policies, and Professional Liability insurance — can help ensure you’re adequately protected against the dangers and perils that threaten your business. It’s not always […]

Small business insurance may seem like a complex and confusing product, but it’s often a necessity. Understanding how to buy small business insurance may simplify the process for you, helping you spend less time looking for coverage and more time running your business with the protection you need to stay in business. As a small […]

How would you respond to a devastating incident that damages your building, destroys your equipment, and ruins your inventory? With business property insurance, you’d file a claim and use the proceeds to repair or replace your damaged property. But what if your property limits weren’t enough to cover the cost of rebuilding and replacement? Business […]

By Stephanie Love, Thryv The new normal is a cliché buzzword, we get it. But there’s a reason it is the new normal rather than the regular normal. The pandemic has changed the way we live our lives, including the contactless way much of business now gets done. According to a study by Capgemini Research […]

By Derkia Thomas, Thryv Digital transformation is at the top of just about every business’s conversations. The COVID shutdown forced a digital shift nearly overnight, and since then it’s been clear that this was the neglected element in business growth. The truth is, in 2021, if you’re not online, you’re doing your business a disservice. […]

Insurance 101 Video: What would happen to your small business if a customer slipped on the floor and injured themselves, or an on-site mishap ruined your client’s property? Chances are you’d be sued for damages. Without sufficient revenue or savings, you’d be on the hook for up to millions of dollars in compensation — unless […]