​Every year, flooding destroys countless homes and businesses across the United States. Last year, the National Centers for Environmental Information (NCEI) and the National Oceanic and Atmospheric Administration (NOAA) reported that the United States had a historic year of weather and climate damage.

However, even if you aren't directly affected by a hurricane, the heavy rains can spread throughout a large country, raising the risk of flooding. Because storms occur inevitably, floods can happen at any time of the year, even when hurricanes aren't slamming the coast.

In this case, floods can happen anywhere. Thus, taking preventive measures can help your business stay open during or swiftly reopen after a flood disaster. Additionally, flooding can strike with little or no warning, so taking precautions now is essential.

​Having a four-wheeler is not only a source of pride but also a practical necessity. However, having lapsed car insurance coverage will get you into problems with the cops, and you will be unable to claim anything from your automobile service provider in the event of an accident.

​According to experts, when new hires are employed, they must be taught how to do their work safely. Similarly, if there are new procedures or materials that may be hazardous introduced to the workplace,  when they are accountable for executing hazardous duties' training needs, or if they are assigned to new occupations or tasks. 

Depending on the training criteria, employees may be expected to take yearly training. For example, bloodborne pathogen training must be completed annually, whereas hazard communication training is only required if a procedure change introduces a new hazard into the workplace.

​Are you relocating to a larger space? Is it possible to open a second location? Are you introducing a new product or service? Do you need to hire more people? Acquiring more customers? If your company is growing in any way, you should think about increasing your general liability insurance.

It’s a good idea to complete a business inventory and contact our agents, who will help take care of the rest.

Your company does not expand instantly. While you may have recently made a significant expansion, chances are you've been gradually expanding your firm. Those enhancements, though, come with their own set of concerns. As a result, you'll want to take note of everything that has changed since the last time you updated your policy:

One way that small business owners can help their employees is through workers' compensation insurance. As employers, small business owners are legally responsible for providing a safe environment.
​
However, accidents are inevitable, and some work environments pose health risks. With this in mind, here are the basics of workers' compensation insurance that small businesses must keep in mind.

In today's digital landscape, e-commerce businesses are made more vulnerable to risks like cybersecurity issues and intellectual property infringement. Additionally, these businesses also face common risk factors that every other type of business experiences.
​
With this, here are some of the most important insurance coverages all e-commerce businesses should have. This way, common and industry-specific factors get covered.

With the rising costs of goods and services, you must know what your homeowners' insurance policy covers. You should review your policy so that you can ensure that it covers the cost of rebuilding your home if an incident occurs.
​
Here are some things you need to review within your homeowners' insurance.

​Even when you drive safely, your insurance rates can go up. If you're wondering why your rates are increasing, here's what you need to know. Your insurance policy provider sets your auto insurance rates based on different factors. While you control your rates, some factors are out of your hands.

As a business owner, your responsibility is to get your staff insured in 2022. It will help them feel safe while working for you and your company.

You should also think about a few things before you start insuring your staff.  By remembering these points, you will protect them and yourself regarding legal liabilities down the road.
​
Here are some of the points to remember when insuring your staff in 2022:

If you want to have the easiest time using your general liability insurance, you have to get to know your policy. Fortunately, many sources can help you discover what you can expect from general liability insurance packages as soon as you have them. 
​
Nonetheless, here are some points that can help you understand general liability insurance and how you can use it to your advantage in the future.