Umbrella liability insurance protects you when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do - and people sue. Here are a few possibilities:
Your...
It’s critical for you to protect your business by identifying potential risks from natural and manmade disasters. Be pessimistic – this is definitely a case of planning for the worst and hoping for the best.
Here are some suggestions, if you are at risk for the following disasters:
Wildfires
Maintain a 30-foot “combustible-free” zone around your facility. Remove any trees and combustible material, such as brush. Keep...
The U.S. Small Business Administration is the federal disaster bank in the wake of hurricanes, floods, earthquakes, wildfires,
tornadoes and other physical disasters. After the president or the SBA administrator declares a disaster, homeowners, renters and businesses of all size may apply for low-interest SBA disaster loans.
Disaster loans
Physical Disaster Loans – Available for nonfarm businesses of any size and...
These resources could save you time and money – and even save lives. The more you learn about disaster preparation, the sooner you will be able to get back to business should a disaster occur.
The U.S. Small Business Administration provides information on how to prepare for disasters, and the SBA’s disaster loan program helps homeowners, renters and businesses of all sizes recover from disasters.
The American Red Cross offers...
A well-designed supply kit can be invaluable during a disaster. Be sure to plan for the number of employees who may need it.
The American Red Cross recommends that your supply kit include at least the following:
Flashlight with extra batteries
Battery-powered radio
Nonperishable foods to sustain each person for one day, such as:
Ready-to-eat canned meals, meats, fruits, vegetables
Canned juices...
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