Small business insurance

New Employee vs Independent Contractor 6-Point Test

New internet economy requires new test The U.S. Department of Labor has published a 6-part test to help guide employers in classifying workers as independent contractors or employees. The guide is a result of the the shift in demand for

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Cyber liability insurance

Cyber Liability: Keeping Up with the Times

Criminal advances dictate changes in cyber coverage Digital technology and the Internet offer endless possibilities for doing business. Just when we think we’ve mastered one concept, something new comes along. Sadly, those in the business of cybercrime are always one

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Small business insurance

Every Small Business Needs Cyber Insurance

Protecting your assets in our digital world We’re all aware of the recent headline-making news stories of data breaches at large companies such as Target, eBay and Michael’s. In fact, many of us of have probably been affected by those

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Sadler Insurance

Annual Re-evaluation of Your Insurance Program

Both you and your agent have a responsibility to ensure proper coverage A good insurance agent never wants to hear a client or potential client say “Just duplicate what coverage I already have.” And if the agent does hear those

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Independent board of directors

Is an Independent Board of Directors What Your Business Needs?

What a team of outsiders can provide and the benefits you’ll reap The CEO of any large public business has a board of directors that assist with the decision making and management of the organization. Too often, those running privately-held

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Small business insurance

Small Business Technology Insurance

 Affordable solutions for small business owners We understand the importance of proper coverage for your business. As a leading technology insurance company, we know that small businesses are experiencing an ever-increasing capacity for work. As a result, you also have a

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Cyber Liability coverage

Advertising Injury Coverage Gaps Can Affect Non-Media Firms

Cyber Liability insurance is required for intellectual infringement protection The 1986 ISO General Liability policy form provided broad coverage for advertising injury for non-media companies. However, due to recent restrictions on advertising injury coverage under a General Liability policy, many

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12 Specific Cyber Liability Risks

Analyzing your insurance needs When analyzing a Cyber Liability policy for adequacy, the following specific risks may or may not be covered: Errors & Omissions resulting in economic damages (needed for accounts that perform cyber-related professional services for a fee)

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Small business insurance

Online Small Business Insurance Quotes

Small businesses perform most of the professional services within the U.S. economy. As a result, they have the greatest need for Professional Liability (Errors and Omissions Liability) insurance. The major problem with small businesses obtaining small business insurance is affordability.

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