General Liability

Enterprise Amazon Sellers & FBA Insurance Guide

Amazon sellers face many of the same vulnerabilities that other ecommerce companies face. Here’s insight into risk management.

Understanding the 5 Steps of a Risk Management Process

Late-stage companies and small businesses need a risk management process — but how do you accomplish this task? Here’s some expert advice on the matter.

Reducing Risk for E-Scooter Operators: Safety, Security & Hardware

In the context of e-scooter safety, we’ve teamed with ACTON to identify and mitigate the most significant risks operators face today.

Covid-19 and Employer Workforce Decisions: 4:20 update

Resources for Employers facing layoff reduction in force and downsizing decisions because of Covid-19 and Coronavirus. EPL Insurance may help.

What Are Loss Run Reports?

As a small to mid-market company, it’s essential to use loss run reports to your advantage. Here’s how to make sense of these valuable reviews.

Cannabis Companies: Why Can’t We Get Insurance?

Cannabis companies often face issues trying to obtain insurance. Hawke Media explains these challenges and how to overcome them.

Navigating US E-Scooter Sharing Regulations & Insurance

E-scooter sharing companies face complex and strict regulations. The right insurance can give you a competitive advantage.

Growing Pains: The Future of Electric Scooters and Bike Sharing

Electric scooters and dockless bikes are popping up everywhere. We dive into risk management and the future of the industry.

Understanding Insurance Audits

The word “audit” is intimidating but in the insurance world it’s nothing to worry about! In this post, we look at what insurance audits are, why carriers need to perform them and how you can prepare so you’re not caught off guard.

How do companies protect traveling employees?

Technology may be breaking down geographic barriers but that doesn’t mean sending your employees overseas is getting any safer. Businesses whose employees travel internationally are familiar with these risks. But how do they protect traveling employees? Every company faces unique challenges, yet certain risks are ubiquitous across industries. We’ll delve into why these risks matter

Cold Weather Warning: Does Your Insurance Cover Burst Pipes?

We’ve seen some intense weather over the past few weeks. Had you ever heard of a bomb cyclone before? Yea, us neither. What we do hear about — unfortunately way too often — is an insurance claim that usually accompanies cold weather: water damage from frozen plumbing. So does your insurance cover burst pipes? Let’s

Pivoting? You Should Probably Call Your Insurance Broker

It’s been a tough year for retail. Just ask J.C. Penny, Macy’s or Target. As e-commerce continues to overtake retail (thanks Amazon), traditional retailers need to employ different strategies to satisfy customers. In other words, it’s time to start pivoting. Startups are all too familiar with pivoting, and many startups do so at least once. Sounds

How Your Company May Be Like NBC’s “The Office” (and How Insurance Can Help)

“The Office,” NBC Okay, so your office is probably nothing like the one from the hit NBC show, The Office. You’re no Michael Scott and your boss looks (almost) nothing like Kathy Bates. You’re a professional after all! Well, we have some bad news for you: every office has a bit of Dunder Mifflin in

Business insurance 101: commercial drone insurance

Drones are hotter than ever. From Amazon’s plan to deliver merchandise to the Super Bowl’s electric halftime show, drones are here to stay! It’s predicted that there will be 7 million drones in the airspace by 2020 with 2.7 million of them dedicated to commercial use. But what exactly is a drone? What is their

Excess Insurance, Umbrella Policies and Why Your Business Needs Them

The Top 5 Business Insurance Requirements from Landlords, Clients, and Investors

We see all kinds of business insurance requirements (and coverage change requests) from our clients’ landlords, clients, investors, business partners, and more. These requests are processed by creating an “endorsement” on the policy that puts the change into effect. From a location change to adding a new coverage to a liability policy, some endorsements are

Insurance for Bitcoin Companies

The Space Bitcoin use has been exploding lately, with recent (September 2013) numbers suggesting that over 66,000 bitcoin transactions occur each day!  More and more e-commerce platforms and vendors accept Bitcoin as payment each day to the point where the market cap is currently $1.6B and only expected to grow. Needless to say, the bitcoin

Lumosity’s $2M Fine & the Risk of “Fake It ‘Til You Make It”

How Lumosity got in trouble Lumosity, the San Francisco-based company offering brain-training tools, came under fire from the FTC this week for the deceptive advertising allegations.  Director of the FTC’s Bureau of Consumer Protection Jessica Rich said the following: “Lumosity preyed on consumers’ fears about age-related cognitive decline, suggesting their games could stave off memory

4 Key Things to Look for On Your Business Insurance Quotes

It would be extremely surprising if you didn’t have some questions when looking at your first business insurance quotes.  They’re extremely detailed and certainly not the easiest document to digest.  Here’s a quick overview of the major items you should be looking at on your quote. [Note: this article is mainly pertaining to errors and

Getting Business Insurance for On-Demand Startups

Top Reasons Your Startup Needs Product Liability Insurance

Product liability insurance is an extremely important piece to the risk management puzzle, particularly for startups that sell a tangible product.  Usually included in a General Liability policy (though sometimes offered standalone), product liability insurance protects your company from liability lawsuits related to bodily injury or property damage caused by product defects. Whether you’re e-commerce