Many business owners choose to purchase a commercial general liability insurance policy shortly after opening their business. Although it is typically not required by law, it can provide financial protection if your business is deemed responsible for causing third-party bodily injury, personal injury or property damage. We’ve been helping clients for over 120 years. Contact […]
Homeowners insurance is vital protection for every homeowner. Suppose you are getting ready to buy a home and home insurance. In that case, reviewing what is typically included in home insurance and what perils may be excluded under a standard homeowners insurance policy is a good idea. For these hazards, you may want to buy […]
Your Insurance Coverage Questions Answered HLIC Coverage Conversations are videos we record to answer your insurance/risk management questions. Your questions are answered by our insurance/risk management professionals in a way that is easily understood. If you have any insurance questions for any line of insurance, please give us a call at 970-254-0813 or email [email protected] because […]
A professional liability claim, also known as errors and omissions, can be filed by a customer or client of a company that errs. An error can include mistakes in written documentation or performance, failing to inform the client of a change in plans and any variety of miscommunications that result in an unsatisfied customer. Any […]
Our dedicated staff of insurance professionals are here to assist you in securing a life insurance policy to protect you and your loved ones for years to come. With a vast knowledge of our many carriers, we are equipped to shop for the best policy to suit your needs. Our job is to help you […]
As a business owner, you know that workplace discrimination is against the law and you actively do your best to eliminate these incidents and other employment-related accusations within your business. But even with the best intentions, you can’t be everywhere at all times. Across the United States, approximately three out of five businesses have been […]
You are aware that your insurance company provides you with a host of business insurance products to protect your business. What you may not be aware of is the business owners policy (BOP) that bundles different types of insurance products for business owners like you, who may not know how to choose the best insurance […]
In a study conducted by the Health Enhancement Research Organization (HERO), there was a correlation between productivity, lower absenteeism and healthy employees. Employees who ate healthy and exercised regularly had better productivity and lower absenteeism. Improved productivity and lower absenteeism are constant concerns for managers. When employees produce more, businesses will likely generate more revenue. […]
While some workplaces are conducive to injuries—like construction sites or manufacturing plants—many offices, retail shops and other quieter environments present less dangers to employees. However, the risk for trips and slips is always present. In fact, trips and slips are the most common workplace injuries across general industries, contributing to about 65 percent of lost […]
General liability insurance is one of the most common and important forms of liability insurance for businesses, as it covers accidents that businesses face on a day to day basis. Specifically, such a policy can provide protection against the resulting expenses if your business is held responsible for injuring a third party or damaging their […]
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