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Do I need professional liability insurance?

Do I need professional liability insurance?

Are you a professional? Professional is an ambiguous term. If you are employed, aren’t you considered to be a “professional” in that field? For insurance purposes, a professional is anyone that has a liability exposure that could be incurred as a result of errors and omissions in performing their professional services. Individuals or businesses withRead more about Do I need professional liability insurance?[…]

Do I need a Personal or Commercial Auto Policy?

Do I need a Personal or Commercial Auto Policy?

When do I need a commercial auto policy? If your vehicle is registered as a commercial auto, if it has a commercial license plate, or if you use it for business purposes you need a commercial auto policy. Personal auto policies generally exclude coverage for “commercial-type vehicles”, vehicles furnished or available for regular business use,Read more about Do I need a Personal or Commercial Auto Policy?[…]

I’ve never heard of that company

I’ve never heard of that company

Independent Agents have access to multiple insurance companies If you go to a direct writer or a captive agent, they can only provide you a quote from ONE company. The policyholder must contact multiple companies in order to compare pricing. Some direct writers offer “price comparison tools” but these tools will only provide the publishedRead more about I’ve never heard of that company[…]

Everything you need to know about RI’s new Liquor Liability Law

Everything you need to know about RI’s new Liquor Liability Law

Does your business serve or sell alcohol? Effective August 1st, 2017 liquor liability is now required in the state of Rhode Island. RI Senate bill 373 Sub A was passed by both the House and Senate during the past legislative session. The purpose of this legislation is to require any applicant or holder of aRead more about Everything you need to know about RI’s new Liquor Liability Law[…]

Cyber attacks make RI businesses WannaCry

Cyber attacks make RI businesses WannaCry

Cyber-attacks are on the rise Recent news coverage of the Equifax data breach has once again catapulted the issue of cyber security into the national spotlight. A breach affecting over 143 million people by a publicly traded company that holds so much personally identifiable information (Social Security numbers, driver’s license data, birth dates, etc.) isRead more about Cyber attacks make RI businesses WannaCry[…]