NEWS/BLOGS2020-07-20T15:52:15+00:00

Blog for General Liability, Construction Insurance, Workers Compensation Insurance, Business Owners Policy, Commercial Auto Insurance, and More In Post Falls, Coeur d’Alene, Hayden Lake, Sandpoint, ID, Spokane Valley, Spokane, WA, and the Surrounding Areas

News and Information

Construction Insurance in Coeur d’Alene, Hayden Lake, Post Falls, Sandpoint, Spokane, and Spokane Valley

Construction Insurance in Coeur d'Alene, Hayden Lake, Post Falls, Sandpoint, Spokane, and Spokane Valley You're getting ready to build your first Hayden Lake home – an exciting proposition. As you start looking over the figures for the construction cost, you see a line for insurance. That might seem odd, but in reality, you want that insurance coverage for your construction should something go wrong. And construction insurance is not quite the type of insurance that you might be familiar with. When you [...]

Commercial Auto Insurance in Coeur d’Alene, Hayden Lake, Post Falls, Sandpoint, Spokane, and Spokane Valley

Commercial Auto Insurance in Coeur d'Alene, Hayden Lake, Post Falls, Sandpoint, Spokane, and Spokane Valley Work vans, delivery vehicles, semi-trucks, utility vehicles. These all have commercial vehicle insurance for them, which is different than your personal auto insurance. But those are just a few examples, and even a regular car or SUV could be used by a Post Falls business and require commercial vehicle insurance. As you might guess, there are similarities and some differences as well between personal auto insurance and [...]

Business Insurance in Coeur d’Alene, Hayden Lake, Post Falls, Sandpoint, Spokane, and Spokane Valley

Business Insurance in Coeur d'Alene, Hayden Lake, Post Falls, Sandpoint, Spokane, and Spokane Valley If you run a business in Sandpoint, no matter the size, you know how important it is to have business insurance. And it seems like the bigger the business you have, the more important it is to have business insurance with the right coverages in place to protect against the worst. But what sort of coverages should you have? Do you need any specialty coverages? What about liability? [...]

What Business Insurance Policies Cover Rioting, Looting

What Business Insurance Policies Cover Rioting, Looting As protests around the country descended into rioting and civil unrest, many businesses that have been looted, or seen their shops damaged or completely destroyed, will obviously be turning to their insurance to file a claim. While many companies were unsuccessful in filing business interruption claims for the COVID-19 crisis, claims for damage and theft from rioting and looting are more likely to be paid. A number of coverages will [...]

How to Open Shop and Bring Staff Back to Work

How to Open Shop and Bring Staff Back to Work How can you take that first step back to a semblance of normalcy? Here are some recommendations from the Los Angeles Department of Public Health and other sources that can apply to any municipality anywhere in the country. The advice mainly applies to establishments that will have customers, but most of the recommendations are relevant across a wide swath of sectors. Measures [...]

CARES Act Helps Coronavirus-affected Employers, Employees Alike

CARES Act Helps Coronavirus-affected Employers, Employees Alike The $2 trillion Coronavirus Aid, Relief, and Economic Security (CARES) Act stimulus law to help American workers and businesses weather the outbreak has a number of provisions that employers and their workers need to know about and can take advantage of during this crisis. The CARES Act includes provision for: Extended unemployment benefits. Requiring health plans to cover COVID-19-related costs. Small Business Administration (SBA) disaster loans. Loans for large corporations. [...]

Coronavirus Could Trigger Multiple Insurance Policies

Coronavirus Could Trigger Multiple Insurance Policies COVID-19 is forcing businesses to face a number of risks, liability and insurance implications. Companies could seek coverage for a variety of claims stemming from the outbreak, including workers' compensation, business interruption, liability, and more. And, now that it is a pandemic, the economic fallout may be expansive - hitting your company's operations in the form of lower sales or supply chain disruptions. Now is a good time to understand which [...]

Why It Is Important to Review Your Business Insurance Annually

Why It Is Important to Review Your Business Insurance Annually One of the keys to managing risks when you first start a business is getting the right insurance to cover your operations, property and potential liabilities. Unfortunately, many business owners fail to update their policies and just renew them year after year even if the company has grown, expanded operations and facilities, and added new equipment and property. If this is the case, the old coverage [...]

The Difficulty of Dealing with Workers with Substance Abuse Problems

The Difficulty of Dealing with Workers with Substance Abuse Problems Substance Abuse in the Workplace With the opioid epidemic continuing to sweep the nation, more and more workers are battling addiction than ever before. But if you as an employer suspect or know one of your staff has a substance abuse problem, you need to be careful about how you approach them and try to deal with the issue. Even if many employees can keep their addictions [...]