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Small Business Articles

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General liability insurance protects businesses from liability risks they face every day. If a customer or client, vendor, business partner, or anyone outside the company sues the business for costs associated with bodily injury or property damage, general liability can provide financial protection. That includes covering legal fees and settlements as outlined in the policy and up to the policy’s limit.

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Employees rely on the benefits you provide them—health insurance, for example. They need to know that the coverage will be there for them when they need it.

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A hold harmless agreement, which is sometimes called a hold harmless letter, is a “release of liability” clause, typically in a contract, that indemnifies and protects one party from the financial consequences of damage or injuries caused by another party. One party agrees not to sue the other, and also to pay the costs that the party might incur for certain events.

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As important as insurance is for small businesses, it’s not uncommon for busy company owners to be unsure about why they need it, where to get it, the fact that coverage can be tailored to their needs, etc. We know this from our interactions with customers and prospective customers all around the U.S.

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Company owners face many challenges in running a successful business. One of them is creating and maintaining an environment where each employee believes the company and their fellow employees are treating them fairly.

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If you’re wondering, “What is a Certificate of Liability Insurance?” or “What is a COI?” which is short for Certificate of Insurance, it’s a document that proves you purchased an insurance policy that protects you from business liability.

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A business owners policy or BOP (also called property & liability insurance) conveniently combines general liability insurance and commercial property insurance.

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Businesses will sometimes indicate that they are “bonded and insured,” but what does being bonded and insured mean exactly? And does it matter if a business is bonded and insured?

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Workers’ compensation insurance—also called workers’ comp insurance and workman’s comp insurance—is crucial coverage for every company that has employees. In most cases, it’s required by law.