Operating a seasonal business can be both rewarding and challenging. Whether you run a landscaping service in the summer, a ski rental shop in the winter, or a holiday-themed retail store, your business has unique...

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As artificial intelligence (AI) continues to revolutionize industries, its integration into business operations has become almost inevitable. AI offers substantial benefits in efficiency, decision-making, and automation,...

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In the complex world of business operations, unforeseen events can lead to liabilities that exceed the limits of your existing insurance policies. This is where Commercial Umbrella Insurance comes into play, offering an...

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The shift towards remote work has introduced numerous benefits for businesses worldwide, including increased flexibility and reduced overhead costs. However, this shift also presents new challenges in data security and...

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In the commercial auto industry, safety is paramount. Not only does it concern the well-being of drivers and the public, but it also significantly impacts operational costs and company reputation. With advancements in...

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The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful...

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Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about...

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If you own a rental property - whether a long-term one or a short-stay place you rent out to vacationers - you want to treat it like a business, as it provides income for you. Here are six smart devices that can help...

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With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow...

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Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine...

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Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage...

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Reputation management and its cousin, brand reputation management, are essential these days if your business has an online presence. Here are a few ways you can help protect your company’s reputation both on a regular...

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If you’re opening a branch of your company in another state, congratulations! That means your business is thriving. Here are four important considerations to mull over as you expand. What Does Commercial Property Cost?...

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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to make sure...

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Artificial intelligence has been taking the business world by storm lately, especially with the recent releases of new AI software. Would using AI be a good decision for your business? Let’s look at the pros and cons....

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Smart businesses have a plan in place to get up and running and protect their data if the worst happens. Here’s how to build a business continuity plan in case your company needs to deal with a catastrophe. Assess Your...

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Small businesses today face many of the same challenges that larger ones do, and they're vulnerable to many of the same risks as well. One increasing danger for small businesses is cyber liability, because they're...

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With increasing energy costs, businesses are always on the lookout for ways to save money. Did you know that you can cut heating and cooling expenses by strategically landscaping your commercial property? Here are four...

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Commercial auto insurance is a must if you or your employees use vehicles for work. While this costs money upfront, it can save you in the long run. Just one bad accident without sufficient coverage can expose your...

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If you’re starting up or buying a new business, it’s vital to have the right insurance coverage to protect your investment and your employees’ livelihoods. But it can be confusing shopping for multiple business...

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As the owner or property manager of a commercial building, your fire safety protocols can mean the difference between life and death. Here’s a checklist to help you ensure your commercial property stays safe for...

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If you own or manage a commercial property, you may be able to reduce headaches, expenses, and safety issues by properly maintaining the structure and grounds. Here’s a commercial property maintenance checklist to get...

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Due to the pandemic, you and your team have been working remotely for the last few years. When everyone returned to the office, it was a significant change. To help your group adjust, here are five expert tips. Start...

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If you own a business, no matter what size it is, you most likely need business insurance. However, just because you have commercial insurance doesn’t mean you always have the right protection. Here are four of the most...

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Many startups and small businesses often forgo business insurance to save money. However, this can backfire and actually cost you more in the long run - without the protection business insurance affords. Here’s why...

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Smart business owners have business insurance, no matter how big or small their company is. But do you have all the coverage you need? Here are five places where business owners often find themselves lacking in...

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If you own a small business, especially if you work alone, you may think you don't need business insurance. But actually, without this protection, you could be opening yourself up to a world of liabilities. Here's what...

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The remote work model of the last few years is shaping up to be the wave of the future. Follow these tips to support your remote employees, whether it’s for a few months as needed or as a permanent new business model. ...

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Work consumes a huge chunk of most people’s lives. As such, a healthy and positive work environment is vital for employee mental health and business success. Luckily, more companies are now bringing mental health to the...

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As your business grows, so do its associated risks. Whether you are offering new products, increasing your headcount, expanding your operational structure, or shifting to a new location, all these moves come with...

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As a business owner and employer, it is your moral and legal obligation to keep your employees safe and healthy at all times. Despite your intentional efforts to keep their work environment as safe as possible,...

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Businesses are exposed to many different types of risks. A single, unfortunate incident or lawsuit can cause your business to crash before it can even get off the ground. Luckily, there is a wide range of business...

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Managing your garage business can be challenging – you are responsible for numerous important aspects of your business, from advertising and accounting to servicing your customers. Add those jobs to having to order...

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Workplace safety is not just a list of rules. It’s a process. It takes commitment and effort, and ultimately it is something that is achievable. There is always opportunity for improvement. Keep the following in mind as...

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Your favorite sports team does not start the season with a goal to lose games. Similarly, businesses should never have the mindset that near-misses and incidents (accidents/injuries) are just part of life and are to be...

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If you own a business, you are aware that one of the tasks that often comes with such ownership is an annual audit. Most business policies are audit-able, particularly those covering contracting operations. No premium...

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As technology’s presence grows in our lives – and in our vehicles – it’s becoming easier to be distracted while we’re driving. There are three main types of distraction while driving: visual, manual and cognitive....

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According to the Workers Compensation Research Institute, employees who are disabled for longer than six months have less than a 50% chance of ever returning to their job. If they are off work longer than a year, the...

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Insurance is generally purchased to protect against building loss, loss to contents or liability losses. Unfortunately, it is the intangible exposures that we do not see and do not prepare for that ultimately can have...

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You own a small business with only a few employees. Do you really need employment practices liability insurance? The answer is most likely yes. Called EPL for short, this is a vital coverage designed to protect your...

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One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Cowart Insurance, we know you want to protect what's important. That's why we're offering these tips to...

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You run your own business. Do you need commercial auto insurance? It's an important question. As a general rule, if your vehicle is being used for business purposes, you may need a commercial auto insurance policy. Do...

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What's the biggest challenge for business owners and managers in the U.S. today? If you guessed uncertainty, you are correct! That's why the right business insurance coverage is so important. The right types and amount...

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It's estimated that more than half of all U.S. small businesses operate out of someone's home. Housing a business in your basement or using your garage as a warehouse can be a great way to launch a business or save...

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Setting aside the time for an annual insurance review is a great way to make sure you have the right coverage in place for your company. In the business world, things can change quickly, leaving you without enough...

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As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Cowart Insurance, we thought it would be fun to give you a little...

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