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Sparks Insurance, Inc. Blog: business liability

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Thankfully, most people haven’t had to contain a fire. But take a moment to think about how you would react during a fire emergency. Would you know what to do? Knowing how to operate a fire extinguisher could mean the difference between minor damage and a full-scale disaster at your business. READ MORE >>

Workplace harassment is all over the news. Many allegations involve high-profile individuals creating a workplace culture that subjects employees to harassment with little or no consequence.    RELATED: Read 6 Behaviors that Could Spawn a Sexual Harassment Lawsuit?    READ MORE >>

When was the last time your business shipped something of value to a partner, vendor or customer?  It's true that some businesses do very little shipping while others depend on product shipping for survival. If your business is the latter, or somewhere in between, guaranteeing that your shipment arrives in good condition is essential. READ MORE >>

Humans typically react strongly to fire. Unfortunately, we're not as keen on preventing a fire from starting in the first place! When it comes to fire prevention at your office, there's one absolute fact: you can never assume everyone knows what to do (and not to do) to control risk. READ MORE >>

Landlords may require tenants legal liability insurance. Do you lease space in your commercial building to a tenant? If so, do you require proof of insurance from the tenant?    RELATED: Read Commercial Lease Concerns    READ MORE >>

Many cyber insurance policies cover only claims of damages to third parties caused by a cyber attack on your business.  Depending on the nature of the information stored in your business's network (e.g., credit card/bank account numbers, etc.), this type of insurance may be essential in paying the costs resulting from a breach. READ MORE >>

The owner may have explicit rules preventing its use by other parties. In an effort to ramp up your marketing efforts, maybe you've taken a more active approach to Internet and social media to promote your business, possibly using attention-getting visuals, such as images, charts and videos. READ MORE >>

If your business decides to create a new LLC, corporation or partnership, everything may seem the same—the people involved, the equipment used, the building occupied, the nature of the work done, etc. But you shouldn't assume that the new entity is covered by your current entity's liability insurance. READ MORE >>

Has your hobby turned into a source of sales income? Important considerations regarding your homeowners insurance policy need to be made once you’ve decided to take the leap toward becoming your own boss through direct sales. 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 >>

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