Author Archives: Eric Micheals

A Photographer’s Worst Nightmare

All photographers should consider two types of liability insurance to protect their businesses. Picture this. The wedding is over, and you’ve worked all night. It was a big affair, and your clients (the lovely bride and dashing groom) had the time of their lives with their relatives in from all over the country. You go […]

Claims Made and Reported Insurance Policies

Professional liability insurance coverage is known as a Claims Made and Reported coverage. What does this mean and how does it affect your coverage? Professional liability insurance (also known as Errors and Omissions insurance) protects your business from claims made by third parties that allege they suffered damages due to your negligence in providing your […]

What is Business Interruption insurance?

What is Business Interruption insurance? It’s probably one of the most valuable coverages that business owners should include in their small business insurance policy. But it’s one of the most overlooked as well. That’s because most entrepreneurs aren’t aware that when disaster strikes it’s not the cost of the physical damage to their premises that […]

Small business insurance – understand your risks

You’ve made the big decision to start out on your own, your business plan is a hit with financial backers and you feel ready to go out and take the world by storm. This is exactly the time when you need to ask yourself: Have I thought about the threats to my new business? You […]