The Liability Risks Buried in Your Business Terms and Conditions

by Tom Moore | Apr 8, 2026 | Business Insurance, Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/08/2026 Key takeaway: Small business terms and conditions liability risks are real and underestimated. Your T&Cs — the document most customers scroll past in three seconds —...

Your Vendor Got Hacked. Here’s Why You Still Have a Problem.

by Tom Moore | Apr 3, 2026 | Business Insurance, Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/03/2026 Key takeaway: A vendor cyber breach occurs when a third-party provider — your payroll platform, scheduling software, cloud storage service, or any outside vendor with...

Does Your Business Insurance Cover an Outsourced Bookkeeper’s Mistake?

by Tom Moore | Apr 1, 2026 | Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/01/2026 Key takeaway: Outsourced bookkeeping insurance risk for Spokane small businesses is a coverage gap most owners don’t discover until they’re already dealing...

Data Privacy Liability for Spokane Small Businesses Without a Tech Team

by Tom Moore | Mar 27, 2026 | Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355 Last reviewed: 3/27/2026 What Data Privacy Liability Actually Means for a Small BusinessYou’re Collecting More Data Than You ThinkWhy “We Don’t Have a Tech Team”...

What Your Business Insurance Doesn’t Cover When Employees Use Personal Devices

by Tom Moore | Mar 25, 2026 | Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355 Last reviewed: 3/25/2026 Key takeaway: When employees use personal phones, tablets, or laptops for work — a practice known as BYOD (Bring Your Own Device) — your business takes on liability...