Tag: Dallas commercial insurance

Commercial Insurance and Sexual Harassment

A wave of sexual harassment claims began last year from women coming forward to name the men who harassed them; Harvey Weinstein, Bill O’Reilly, Matt Lauer, and countless others. These courageous women provided the foundation giving birth to the #MeToo movement, something that should have happened a long time ago. Commercial insurance companies believe this movement may lead to a wave of employment practices liability claims.

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Business Insurance Considerations for Solopreneurs

I had a fun phone conversation last week with a social media solopreneur about business insurance. Ruby’s business has grown, the clients are getting larger, and she wanted to get a handle on the business insurance she should be considering for her growing enterprise. I believe our discussion provides a great framework for solopreneurs and small business owners contemplating their business insurance needs.

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Commercial Insurance Hired and Non-Owned Auto Liability

If you’re a small business owner or run a non-profit, did you know you could be sued if an employee or volunteer is involved in an accident while driving their own car or a rented vehicle on business? Unfortunately, it’s true and there is an option that may be added to your commercial insurance policy or purchased separately, if it can’t be added to your general liability insurance, to protect you in such an event. It’s referred to as hired and non-owned auto liability, or HNO liability, and it could save your bacon financially.

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Independent Insurance Agents and How We’re Different

A friend of mine sent me an email asking if I’d review her car insurance. After replying I’d be honored to, she asked me a question which comes up once or twice a year. Her question was, “Do I charge for my services?” This question is usually asked by people who’ve never worked with an independent agent before talking with me. Other people, have asked this, as well as, a follow up question, “Will I still be their agent, once I write their policy?” Let’s look at the two categories of insurance agents, how we are alike, how we are different, and the answers to both questions.

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Insurance and Politics

Insurance and politics may sound like strange bedfellows but they aren’t. They share the same bed more often than most people realize and the impact can be profound for individuals and business whether it plays out on the national or state level. Such is the case since Presidential Candidate Donald Trump became President-Elect. Let’s look at two instances which will unfold after January 20, 2017.

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Identity Theft Thoughts in the Wake of the Yahoo Breach

On Thursday, September 22, Yahoo confirmed data associated with at least 500 million user’s email accounts was breached in 2014 in what may be one of the largest data breaches ever. Some security experts think between 1 billion and 3 billion accounts may have been hacked by cyber criminals who sold the compromised date to an Eastern European nation state.

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Employee or Contractor and the Department of Labor View

You have just started your small business, or business is really taking off and you need help meeting your customers’ demands. Success depends in large part upon workers, consultants, vendors or other businesses you hire to help you. But what about cost? Maybe you can save money and effort by hiring an independent contractor?!

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An Update on Commercial Drone Insurance

Since the FAA announced regulations for drones in early 2015, the predictions of how unmanned aerial vehicles (UAV) will be used has exploded. Sales for drones have also exploded as have the number of registered drone operators. As with any new technology, insurance companies began responding to how to cover them, how to exclude coverage for them, and what policies are required to get it right. Let’s take a look at what’s evolving with commercial drone insurance.

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Two Cyber Liability Insurance Lawsuits with Different Outcomes

In the past two years, there have been two very interesting lawsuits over the question of whether or not commercial general liability insurance policies contain coverage for cyber liability. The two lawsuits had very different outcomes which may appear to muddy the waters regarding when cyber liability is covered and when it is not covered by a general liability policy. Let’s take a look at both lawsuits and where I think this may go.

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