US Insurance Source Blog

Stay up to date on the latest insurance information and tips from US Insurance Source.
business owner figuring out his business insurance
Apr 0
Apr 0

7 Insurance Policies Every Business Needs

Starting a business and building it are big undertakings. It’s stressful, exhausting, and costly. Of course, it’s also rewarding and fulfilling, too. You’re building something that may outlast you, provide for your children, and provide a valuable service or product to your community. The last thing you’d want is to lose it all to one […]

  Read more
flooded parking lot
Apr 0
Apr 0

Is Your Business Protected from Flood Damage?

Flooding can happen anywhere, not just on the banks of rivers and coastal beaches. When it does, according to Ready.gov, the average flood claim will cost a business owner $34,000. One flood can cause catastrophic damage. The threat of flooding is very real and can come in a myriad of ways – from overflowing rivers […]

  Read more
insurance claim
Apr 0
Apr 0

When You Should and Should Not File a Claim

If you pay good money for something, you should use it. Whether it’s a soda, a new laptop, or that juicer/blender stored in the back of your cabinets, it’s a waste of money if you let it sit untouched. Many people feel that way about their insurance coverage, especially business insurance. It was purchased to […]

  Read more
employee classification
Apr 0
Apr 0

Misclassifying Your Employees is a Costly Mistake

The way you classify your employees determines a lot of things: how much you pay in taxes, whether you need workers’ compensation insurance, and how much you pay for workers’ comp. Whether through an honest mistake or outright payroll fraud, 20 to 30 percent of businesses misclassify at least one worker as an independent contractor […]

  Read more
data center suffering from a data breach
Apr 1
Apr 1

Should Your Business Have a Cyber Liability Policy?

Big names have been in the news for being the victim of cyber hacking and data breaches – the IRS, the U.S. government office of Personnel Management, VTech, and, of course, Ashley Madison. While these stories make national news and impact millions of people, small businesses are just as likely to be hacked. Data experts […]

  Read more
office building outdoor
Mar 0
Mar 0

Commercial Property Concerns as Spring Arrives

As the weather continually starts getting warmer and winter seems to be slowly backing away, you may want to start paying attention to your commercial property a bit more. Now that the snow is staying away, your property will be ready for some maintenance that might not have been noticeable during the winter months. Listed […]

  Read more
business insurance gap missing puzzle piece
Mar 0
Mar 0

Business Insurance Gaps Covered by Excess Liability

Having the best business insurance policy for your business can certainly help if something goes wrong and a liability claim is filed against the business. But once the limits of liability are met on your business insurance policy, what can you do? Of course, you can pay the remainder of the claim out of the […]

  Read more
injured at work
Mar 0
Mar 0

How The Workers’ Comp Process Works

As a business owner, you know the importance of keeping everything running smoothly.  When a small hiccup occurs, you want to know that it can be handled and the business can move forward from there with no problems.  When a workers compensation claim comes in, knowing the process can help keep business flowing as close […]

  Read more
helping hands
Mar 0
Mar 0

The Liability Involved in Home Care

The home care industry is unlike other businesses.  Home care workers enter clients’ homes to administer medications, care for patients, help with rehabilitation, and sometimes complete small household tasks for clients.  Each visit to a new client involves entering an unknown work environment.  Each new client brings new risk to not only home care workers […]

  Read more
umbrella insurance
Feb 0
Feb 0

Benefits of an Umbrella Policy for Businesses

You have probably heard of umbrella insurance, but do you know what it is? A lot of people associate umbrella insurance strictly with homeowners insurance as a supplement to increase limits of liability. However, the benefits of an umbrella policy can be utilized in a business sense as well. Business owners can purchase an umbrella […]

  Read more