Essential Insurance Coverage For Online Businesses

December 29, 2020 / Maghan Insurance Team / Business Insurance, Cyber Liability, Employment Practices Liability Insurance, Commercial General Liability Insurance

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After their doors shut, many small businesses in the US had to figure out ways to get online and stay competitive during the pandemic.

In the rush to embrace technology and move online, it's likely that insurance was low on the list of priorities. The idea of adding another expense wasn't ideal either. 

But the reality is online businesses face unique threats that could lead to an even greater loss of income than what this year has delivered so far. 

If you own an online business, purchasing an insurance policy to provide protection against common risks makes good business sense for now and the future.

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Do I Need More Than Just General Liability Insurance?

December 15, 2020 / Maghan Insurance Team / Business Insurance, General Liability Insurance

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General liability insurance is essential for many types of businesses. This coverage is particularly critical if your business is open to the public, rents or owns commercial property, works closely with clients or customers, or handles client property. Most new business owners buy a general liability insurance policy right away. However, it is not the only business insurance you are likely to need.

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Important Insurance Policies Every Business Should Have

November 12, 2020 / Ross Maghan / Business Insurance

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Usually the first types of insurance policies that any business will purchase consist of general liability, a business owner’s policy, commercial auto, workers comp, and perhaps an Errors & Omissions policy. But there are other important insurance policies that every business should consider getting – especially as their business continues to grow and expand.

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Hope for the Best, Prepare for the Worst

June 5, 2019 / Ross Maghan / Business Insurance

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No business is totally immune from disaster. Every year, businesses temporarily shut down—or close forever—because of a disaster such as a flood, fire or hurricane. Forty percent of businesses do not reopen after a disaster and another 25 percent fail within one year, according to the Federal Emergency Management Agency (FEMA).

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Preparing Your Business for Severe Winter Weather

May 30, 2019 / Ross Maghan / Business Insurance, business interruption, winter

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Severe winter weather can disrupt your business and put a damper on productivity. You can prepare for those potential disruptions by distilling your business into three important categories and then taking steps in advance to prevent and protect against them. 

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