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First Independent - Descamps Insurance Agency Blog: business insurance

View the latest blog posts from First Independent - Descamps Insurance Agency.

There are many businesses that need workers' compensation insurance. These policies protect against financial loss due to employee injuries. In a retail setting, it is perhaps one of the most valuable purchases you can make. View this form of business insurance as a critical investment. READ MORE >>

Commercial auto insurance almost always includes liability coverage. Insurance companies adjust coverage to match the risks your vehicles and business face. Having enough is critical. Liability insurance provides coverage when you or your driver damages another car, person, or property. READ MORE >>

Businesses have a lot of their most important assets stored on their property. Yet, no property is immune to sudden, unexpected damage. One of the most devastating of such occurrences is a fire. Smoke and flames, not to mention water used in dousing, can easily devastate a business. READ MORE >>

You’ll likely need general liability (GL) insurance as part of your commercial package. However, you shouldn’t assume that any GL policy will cover everything. Exclusions and limits will exist in your coverage. Take some time to learn more about what general liability insurance does not cover. READ MORE >>

Small businesses all over the United States are pressed with the question on whether or not to track the hours worked for their employees.  Business owners and managers may have concerns about employees being over(or under) paid, worried  about compliance or may simply want to modernize the old school time clock system. READ MORE >>

A key reason to have business insurance is to protect your company from loss. However, it is up to you, as the business owner to make decisions about how to minimize loss.  Many companies have sexual harassment policies in place, for example. If you do not have one, that may be the first step necessary. READ MORE >>

Starting your own business is exciting! You have many ideas and plans for the future. But, there are also the not-so-fun things. For many, this includes budgeting, taxes and payroll. Here are a few budgeting tips that will help you keep your finances in good order. READ MORE >>

One of the largest components of your company’s value is its inventory. This is also one of the biggest risk factors to your company. If you lost your inventory of products or goods, could you operate your business? Would it take time to replace these items? READ MORE >>

As a business owner, you know launching a business is no small feat. You are responsible for hiring employees, carrying out meetings and ensuring that you have exposure to attract customers who need your services or products. All the while, you have to ensure that your business is protected using business insurance; otherwise, you may cripple your business financially. READ MORE >>

Your job is to keep your customer's accounts and systems in good working order. More companies than ever are looking for ways to keep their clients and customers safe, but security risks continue to grow. Even large retailers have had customers’ credit card numbers stolen, and health insurance companies have experienced breaches of patient data. READ MORE >>

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