Insurance for Personal Trainers: Is it Needed?

Personal trainer hosting a session with man and woman at gymThe new year tends to spark a fire in many people to regain control of their physical health with a refocused commitment to working out. Personal trainers, running coaches, fitness instructors, and other exercise professionals like you are called in as teachers, motivators, and even accountability partners to help all kinds of people achieve their different physical fitness goals. Yet, as is the case with every other type of business, there are always risks involved—from client claims of bodily injury to property damage to professional mistakes. In this blog, we’ll explore why insurance for personal trainers is needed. [Read more…]

Does My Snow Removal Company Need Insurance?

White snow removal truck clearing snow off a road with plow.It’s that time again in New England when snow removal companies, from the entrepreneur with a plow attachment to full-service snow and ice management companies, are getting ready for work. Whether you’re in it already or looking to get your company started, snow removal services tend to be high-risk when it comes to accident potential. Learn more about the liabilities related to a snow removal company and how to mitigate them with better business insurance and business practices. [Read more…]

Insurance for the Company Holiday Party

Employees enjoying champagne at a company holiday partyThe holiday season is officially upon us. Many employers throw end-of-year parties to thank employees for all their work and dedicate time to celebrating the holidays together as a team. Whether your company has decided to throw a big bash offsite or a small low-key gathering in the office, the most important thing is that the get-together is safe, merry, and doesn’t put your business—or the people who work for you—at risk. Let’s go over the insurance matters you need to consider when planning your company holiday party.  [Read more…]

Why Your Cleaning Business Needs Insurance

Cleaning Business Employees Cleaning a KitchenMopping floors, dusting shelves, and scrubbing toilets. These are just some of the common chores that practically every home and commercial building regularly needs done, which is partially why cleaning companies have the potential to be so lucrative. But there are insurance risks and liabilities involved if any of this “dirty work” goes wrong, and without the right insurance, they could clean out your personal pockets. Before you get into a big mess of lawsuits, here’s what you need to know about insuring your cleaning business so you can focus on making a living by getting others’ spaces to sparkle.  [Read more…]

The Difference Between Being Bonded and Insured as a Business

"Surety bond" typed out on paper with a pen pointed at the words and a glasses lens encircling the words.When starting a business, the surety bond process can be quite confusing and might not even be on some business owners’ radars. Business founders are typically quick to purchase business insurance to safeguard their investment, but many aren’t immediately aware of the need for a surety bond. Furthermore, they might not even understand how it differs from insurance. Fortunately, we’re here to help explain the difference between being bonded and insured as a business and under which circumstances you require a surety bond. [Read more…]

Before You Get BOP Insurance: Taking a Business Inventory

Businessman taking a business inventory in a warehouse.Once a business goes from ideas on paper to business cards or from hobby to storefront, it’s time to invest in a BOP – Business Owners Policy. And one of the most important parts of that coverage? Insuring your business’s property. Furnishings, computers, and specialized equipment can all add up, and a disaster such as fire, theft, or flood can end your business without coverage. And one of the most important parts of getting the right BOP is taking a business inventory. [Read more…]