Business Insurance Journal Archives | EINSURANCE

All You Should Know About Commercial Truck Insurance

Barbara Howington — Thu, 08 Jun 2023 16:00:49 +0000

What You Should Know About Commercial Truck Insurance For commercial truckers, days and nights on the road can be filled with hazards—accidents, spilled cargo, damaged property, for example. Commercial truck insurance can protect trucks and the truckers who drive them by helping cover the costs of many of these types of events. If your business […]

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Workers’ Comp Vs. Disability Insurance

Kathryn Morstad — Tue, 18 Apr 2023 16:00:57 +0000

Explaining Workers’ Comp vs Disability Insurance Key Takeaways: Workers’ compensation insurance and disability insurance both provide financial protection to an individual when they are unable to work because of an injury, illness, or disability. Both short and long term disability insurance can be purchased by an individual or employer and cover non-work related injuries and […]

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Seven Essential Insurance Policies for Small Nonprofits and Smaller Charitable Groups

EINSURANCE — Thu, 16 Mar 2023 16:00:00 +0000

7 insurance policies that will help your non-profit continue to carry out its mission.

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2023 Insurance Industry Outlook

Kathryn Morstad — Thu, 26 Jan 2023 17:00:00 +0000

Key Takeaways: In 2023, insurance companies will need to find ways to demonstrate value in their products while combatting rising costs for car and home repairs. Car insurance rates may rise as much as 8.4% in 2023. Contributing factors include increasing prices for cars, homes, and the costs to repair them, changes in habits as […]

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Premises Liability Insurance Basics for Small Business

EINSURANCE — Tue, 15 Nov 2022 17:00:00 +0000

Premise liability lawsuits targeting small businesses are on the rise. Learn more and get quotes commercial general liability quotes online from top insurers.

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The Small Business Health Care Tax Credit

EINSURANCE — Thu, 18 Aug 2022 16:00:53 +0000

The Small Business Health Care Tax Credit exists to help offset the costs of group health insurance plans for employees. For small business owners, this federal income tax credit can be worth up to 50% of your yearly investment in group health insurance for employees. Non-profit organizations can get an income tax credit up to […]

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Filing Liability Claims: A Reality Check

EINSURANCE — Tue, 05 Jul 2022 16:00:00 +0000

You file insurance liability claims with the insured and the insurance company pays the court costs

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Commercial Umbrella Insurance: How Does It Work?

EINSURANCE — Thu, 23 Jun 2022 16:00:00 +0000

Commercial umbrella insurance will protect your business from liability claims that are over-and-above your regular liability coverage limits. Umbrella insurance is a crucial product for sole-proprietors and partners, those who have many personal assets at stake, and anyone who operates a brick-and-mortar location which caters to walk-in business. This article will explore everything you need […]

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Employee Wellness Programs: What You Should Know

EINSURANCE — Thu, 05 May 2022 16:00:00 +0000

Employee wellness programs, which vary in scope, are changing the workplace environment for the better, even for small businesses. They offer a perk that can help a company attract and retain employees. Here we provide steps to be taken when establishing

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9 Types of Insurance You Need to Protect Your Business

EINSURANCE — Tue, 08 Feb 2022 17:00:34 +0000

If you are a small business owner, you know that running a business is more than just hanging a sign out front. Whether you’re an individual consultant or own a growing business with employees, business insurance can protect your company. But what kind? There are basic insurance policies business owners should consider. Business Owners Policy […]

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What Is Contingent Business Interruption Insurance?

Kathryn Morstad — Thu, 27 Jan 2022 17:00:42 +0000

Key Takeaways: Businesses can add contingent business interruption coverage to their standard business insurance policy to protect their business from disruptions outside of their control, like a supplier shut down due to flood or fire. This coverage is especially helpful for businesses that depend on one or two suppliers for merchandise or supplies or have […]

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Key Man Life Insurance and Tax Deductions

EINSURANCE — Thu, 06 Jan 2022 17:00:00 +0000

Key man life insurance can keep your company in business if a valued employee dies or is disabled. Key person life insurance premiums may be tax deductible

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Limited Liability Insurance – Do I Need It?

Kathryn Morstad — Thu, 18 Nov 2021 17:00:35 +0000

So, you’ve opened a new venture and chosen to do business as a limited liability company. Structuring your business as an LLC is a good way to separate and protect your personal assets from your overall business as well as your business partner(s) assets. In the event your business fails, an LLC should protect you […]

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8 Ways Small Businesses Can Save on Workers Compensation

EINSURANCE — Tue, 09 Nov 2021 17:00:00 +0000

If you own a small business and have at least one employee besides yourself, by law you have to carry workers compensation insurance.

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Everything You Need to Know About COBRA Insurance

EINSURANCE — Tue, 26 Oct 2021 16:00:10 +0000

Thanks to the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), you don’t have to lose the health insurance that was provided by your former employer. But you’ll have to pay full price as well as an up-to-two percent administration fee. COBRA health insurance provides for the continuation of group health coverage when you quit, […]

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Small Business Insurance Checklist

David Thompson — Fri, 24 Sep 2021 15:00:21 +0000

As a small business owner, you have many challenges that most people do not understand! These day to day issues can chew up your valuable time and not be at all revenue producing. Whether it be staffing, customer or regulatory issues, in many cases they are not problems that you have brought upon yourself, but […]

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Vicarious Liability Insurance – What Is It and Does My Business Need It?

Kathryn Morstad — Thu, 23 Sep 2021 16:00:18 +0000

Key Takeaways: As a business owner, you need to protect your assets and your ability to do business through strong risk management that mitigates the unforeseen risks that could occur at any time. Your role as owner is to ensure your company has comprehensive risk management solutions in place so that you can mitigate any […]

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Canceling Your Insurance? Use Our Checklist and Insurance Sample Cancellation Letter

EINSURANCE — Mon, 30 Aug 2021 16:00:00 +0000

The first step prior to writing the cancellation letter is to look to your policy to see if there are any provisions regarding cancellation and notification of your insurer. There may be instructions regarding how to cancel your policy – how many days not

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