Spring is finally in the air and landscaping contractors across the state of Illinois are ready to get back to work. As you start to book jobs and prep all your equipment, please make sure you carve out some time to review safety. The time you spend on planning and training your employees will help […]
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Difference Between Flood and Water Backup
You may be miles away from the nearest body of water, but flooding is still a possibility, especially during the spring and fall storms. As a homeowner, you want to be properly covered with insurance. You probably know that under a standard homeowners insurance policy, flood damage is not covered. You need flood insurance. What […]
Read MoreEvery Business Needs an Umbrella Policy
A commercial umbrella insurance policy is one of the least understood insurance policies in the industry. But with the world being “sue-happy” having a commercial umbrella could save your business assets in an unforeseen storm. It doesn’t matter if you own an auto body shop or a condo building; a slip or fall on your […]
Read MoreWhat is Full Glass Coverage?
Full auto glass coverage pays for the cost to repair or replace your chipped windshield with no deductible. Full glass coverage is an additional option you can add to your personal or business auto policy. Depending on the state you live in, (in Illinois) you can add this coverage with having comprehensive coverage on the […]
Read MoreWays To Reduce Workers’ Comp Costs
You know it’s bound to happen, one of your employees gets hurt while on the job. Some of your employees may be tempted to take advantage of workers’ compensation benefits. You can reduce the risk of paying more benefits than necessary by implementing a program that offers a good incentive to return to work. According […]
Read More5 Small Business Basics for Liability Insurance
As an owner of a small business, you must protect your business from potential lawsuits and that’s where liability insurance comes into play. Liability policies vary greatly depending on what kind of business you own. You should do some research on a liability policy before placing your coverage. We have come up with five things […]
Read MoreLawsuits Against Contractors And The Lessons Learned
It doesn’t matter if you have been a contractor for six months or twenty years, you know that Murphy is never far away from the work site. Things can and will go wrong on a regular basis, and this is why contractor insurance exists, to protect everyone involved. Having the right contractor insurance program in […]
Read MoreCommercial Auto Insurance Tips
If you own a business, you know that to run it you need equipment to operate. Some business equipment you could need are cars. If your business uses a car in its operation, you may need to purchase the protection of a commercial vehicle insurance policy. These are some factors to help you determine if […]
Read MoreEmployee Background Checks; Are They Beneficial?
Employers are being held liable for the actions of their employees and volunteers; and in turn, more companies are conducting background checks as part of their hiring process. The screening process is no longer just for sensitive or high-level positions. We have answers to some of the most commonly asked questions about background checks. Why […]
Read MoreLiquor Liability Insurance: Do All Business Owners Need It?
If you own a restaurant, bar, or nightclub you most likely serve alcoholic beverages. If you own a business and you invite clients to an open house on your premises and serve alcohol; an intoxicated customer can cause damage or gets injured on your premise after being served alcohol, you can be held liable. To […]
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