Product Liability Insurance: Your Best Defense Against Big Lawsuits
The sad reality is this: It only has to happen once for most businesses. A product you sell can cause injury and you will be sued, even if you didn’t manufacture it directly. All an individual has to do is prove that you knew a problem existed with the product, yet did nothing to fix […]
Guard Against Cyber Attacks with Cybersecurity Insurance
Ransomware attacks are among the latest, costly means by which hundreds of organizations and tens of thousands of computers have been infected throughout the world. In May 2021, the group REvil attacked JBS, a meat producer that processes about one-fifth of the U.S. meat supply. JBS reportedly paid an $11 million ransom to the cyber […]
What Is Auto Insurance?
An auto insurance policy is a contract between you and an insurance company. You agree to pay a premium for protection, and the insurer agrees that as long as your premium payments are current, the company will pay for covered losses. The policy outlines specifically what is covered and how much you would receive in […]
5 Tips to Keep Your Backyard Safe for Summer Fun
Summer is here — time to break out the grills and swimsuits! The backyard BBQ is a summer classic and we’re absolutely here for it. But every year, thousands of Americans are injured from barbecue grills and other home hazards. Without the right precautions, a fun family get together could become memorable for the wrong […]
RV Trip? Make Happy Trails, Not Painful Travails
The concept of sightseeing no doubt predates the invention of the wheel. When the weather is right and the mood strikes, there is clearly something in humans that cries, “Road trip!” Your RV may be your retirement home, your favorite alternate lifestyle possession, or a temporary rental. Your pleasure may be a long-term tour to […]
What Is Commercial Auto Insurance?
Commercial auto insurance provides financial protection from the risks and liabilities of owning and operating business vehicles. Those vehicles can range from box trucks making deliveries to food trucks operating roadside or a sedan used to run business errands. Basically, if a vehicle is owned by or used for your business, you should maintain commercial […]
BBQ Safety: Be Safe, Grill Smart!
Your Grill Should Cook, Not Burn… the barn. Or the house. Or a child. Every year, what should be a fun outdoor occasion for family and friends instead turns into tragedy at nearly 9,000 homes, causing deaths, injuries and tens of millions in property damage. Your Trusted Choice® independent insurance agents at Waypoint Insurance can […]
Do You Need Employment Practices Liability Insurance?
Hiring even one employee exposes your organization to new risks. From ensuring you have workers’ compensation coverage to managing payroll, hiring and benefits, you face a variety of new risks with employees aboard. Coverage to protect you against many employment-related claims is available, known as Employment Practices Liability Insurance (EPLI). EPLI is usually available as […]
College Wars: May the Coverage Be With You!
One of the most loved film series is “Star Wars.” From those who fondly remember seeing that massive star destroyer fill the theater screen for the first time in 1977, to those who’ve only watched the later animated version, millions of fans eagerly await a return to that universe far, far away. Similarly, the parents […]
What Is Workers’ Comp and Why You May Need It
As a small business owner, you may face an important decision — does my business need workers’ compensation insurance? Your state’s department of insurance sets the rules for which employers need workers’ compensation and which do not. In some states, hiring just one employee, even a part-time worker, means you must purchase a workers’ compensation […]