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Home > Blog > First Independent - Descamps Insurance Agency Blog: business
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First Independent - Descamps Insurance Agency Blog: business

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

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Wednesday, August 26, 2020

Do all businesses need general liability insurance?

When buying business insurance, you might wonder what to make of the different coverage offered. Many policies sound the same, though they serve different purposes. For example, you’ll likely see several types of liability policies among your options. You’ll almost always see an offering for general liability coverage. READ MORE >>

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Tuesday, November 5, 2019

Why Does Your Business Need Commercial Auto Insurance?

If you have a transportation-related business, then you need commercial auto insurance to cover your fleet of buses, trucks, vans, cars, or golf carts. However, other businesses that require vehicles may also be better protected with commercial auto insurance. READ MORE >>

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Tuesday, July 2, 2019

What Are Reputation Damages?

Did you make a comment about another business’s product or service? Perhaps your sales associated did. Now you are facing a claim of reputation damage. What is it? Why does it matter to you? Most business insurance helps protect you from claims made against the company. READ MORE >>

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Friday, March 8, 2019

Worker's Compensation Insurance in the Retail Setting

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 >>

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Thursday, November 8, 2018

Should You Increase Your Liability Coverage on Your Commercial Auto Insurance Policy?

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 >>

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Monday, August 13, 2018

Avoid the Burn: Commercial Fire Safety

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 >>

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Monday, July 16, 2018

Exclusions of General Liability Insurance

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 >>

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Friday, May 18, 2018

Why To Track Employee Time For Your Small Business

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 >>

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Wednesday, March 14, 2018

How to Handle a Sexual Harassment Claim from an Employee

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 >>

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Tuesday, October 17, 2017

Four Budgeting Tips for New Business Owners

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 >>

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