As a company owner or decision-maker, you know that every small business faces risks. You also surely understand that you’ve got to protect your company from the financial consequences of things like employee injuries, customer property damage, lawsuits, professional mistakes, and much more. How do you do that? You need to compare business insurance providers and buy policies from a company you can rely on.

Running a small business can be exciting and rewarding. It can also be risky. Consequently, every small business should have insurance from a trusted provider to protect itself financially from the risks it faces. But, of course, you don’t want to pay more than necessary for that protection. One great way to manage costs is to create a strong safety culture at your company.

Cash flow refers to money moving into a business (like from sales revenue) and out of it (for critical expenses like rent, salaries, and business insurance). While it's important to focus on profit, cash flow can be a more real-time indicator of how a business is performing.

One of the most crucial types of insurance your company can have is business interruption insurance. It pays for certain business expenses (like continued normal operating expenses, including payroll) when a covered loss occurs.

Starting a business can be both exciting and rewarding. Many entrepreneurs were drawn to their role by perks like the freedom to set their hours, choose their clients, and control their rates. In today's digital age, the possibilities for starting a business are nearly endless, whether you're offering a product, service, or unique skill.

Property damage and lawsuits only affect traditional businesses, right? Unfortunately, that’s not the case. Companies of any size—from huge corporations to the smallest microbusinesses—face risk. Consequently, it’s critical to have freelancer insurance for your business.

If you’re starting or acquiring a small business for the first time, congratulations! Business ownership can be fun and rewarding. You probably have a long to-do list, and one thing that should definitely be on there is a note to look into financial protection for your company. As you do, you might wonder, “Can you get business insurance without a business license?” Or if you know that you need general liability coverage specifically, you might ask, “Can I get general liability insurance without a business license?”

If you’re reviewing an insurance policy, see the word “subrogation,” and wonder what it means, you’re not alone. It’s not a term you hear in everyday conversation, so many people aren’t familiar with it. But subrogation in business insurance is a crucial concept that every business owner should understand.

Climate change has been happening for decades, but the world is feeling its effects more than ever today. That includes businesses—large and small—that are being impacted by storm damage, supply chain disruptions, resource scarcity, and other factors intensified by climate change. To be successful, business owners need to recognize and adapt to this new challenge, including understanding the link between business insurance and climate change.