Every Church has risks and most professionals have an understanding of their risks. But there are a few business risks that can be addressed by commercial insurance that you may not have considered. Business Interruption: The U.S. Department of Labor estimates that more than 40% of businesses never reopen following a disaster such as a fire […]

The potential cost of earthquakes has been growing because of increasing urban development in seismically active areas and the vulnerability of older buildings, which may not have been built or upgraded to current building codes. Nearly all business owners buy fire insurance, but the likelihood of suffering significant damage by earthquake is far greater than […]

Misclassification of contractors and employees can be a problem when it comes to workers’ compensation and employment laws. The Department of Labor (DOL) is cracking down on employers who misclassify independent contractors who really should be employees. If you are an employer who hires contractors, the DOL has issued new guidelines to help you. The […]