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Sparks Insurance, Inc. Blog

View the latest blog posts from Sparks Insurance, Inc..

The sun is shining, birds are singing and it’s time for your garden to come back from the winter weather. Your garden needs some help getting back in shape, though, so it’s time to get the supplies from the home improvement store, pull out the tools from the shed and get to work. READ MORE >>

It’s been a long, cold winter across most of the country, but spring is finally going to be here. This is a good time to get your car back into shape after a tough season facing frigid temperatures, snow, ice, and now potholes.    RELATED: Read Potholes - The Car Killer    READ MORE >>

A certificate of insurance (cert) is one of the most commonly requested documents in contract bids. It acts as a snapshot of coverage to verify that a policy exists, and it lists key policy features, such as the effective dates of coverage, types of coverage included, and amounts of coverage. READ MORE >>

Cyber hacks are on the rise, cyber criminals are getting smarter and more daring, and there’s seemingly no end in sight. Over 50% of U.S. businesses have experienced a cyber attack in the last 12 months and the costs associated with these breaches can cripple a business if it doesn’t have a cyber insurance policy. READ MORE >>

Your business’s legal liability for injury to a third party may fall under one of a variety of insurance policies. Here is a quick look at some of the most common liability protections business owners may need. Employers liability and workers compensation insurance provide coverage for an employee’s work-related illness, injury or death. READ MORE >>

Lenders require that properties in designated flood zones be covered by flood insurance. But owners of property not in a designated flood zone should not be lulled into a false sense of security. Many businesses are susceptible to damage caused by floodwater or mudflow, even when they aren’t in a flood-prone area. READ MORE >>

Whether you’re the lessor (the building owner) or the lessee (the business renting the property), commercial leases and their insurance provisions and requirements need special attention. Before signing a commercial lease agreement and buying insurance, be sure to get answers to four big questions: READ MORE >>

We certainly think pollution insurance is “a must” for refineries and any business with emissions; however, pollution liability isn’t just assigned to these industries anymore. It’s steadily creeping into nearly every type of construction, installation and product man... READ MORE >>

Internet-controlled tools, equipment, furniture and electronics are becoming the new norm for businesses looking for ways to increase productivity. Often referred to as the internet of things (IoT), this new level of connectivity can also prove dangerous to business owners who rely on constant connectivity to function. READ MORE >>

Life insurance provides an important safety net for many families. If you are young, raising a family, and going about your life, you may not think about this type of coverage. However, what if something were to happen to you? Life insurance coverage could help to provide your loved ones with the support they need to carry on with their day to day lives. READ MORE >>

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