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Many nonprofits offer community outreach that includes pick-ups and deliveries. They need to insure the vehicles and the drivers as well as ensure the vehicles are well maintained and the drivers are fit to drive. Driver Due Diligence Nonprofits, and any company with a fleet, need to research who’s behind the wheel of their vehicles.…
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In today’s “gig economy” if your business is using project-based contractors instead of hiring more employees, does your business insurance cover them? Contractors vs. Employees Different policies define contractors (or SUBcontractors) and employees in different ways. There can be big differences in the coverage afforded by the policy between damage or injury caused by a…
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When employees travel for business there are several things to consider reducing risk and improve the experience for everyone, insurance is just one of them. Start with What You Can Control The best way to reduce risk is to have travel policies in place. These policies should cover everything from car rentals, to taking care…
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In good times and bad, business owners typically reach out to their lawyers and/or accountants. Although these are both knowledgeable trusted advisors, it’s the business insurance agent that truly has your back. Business Insurance Agents are More Than Brokers The business start-up checklist can be long and always includes insurance. Business insurance agents are the…
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