Does Your Business Insurance Cover Virtual Events and Webinars?

by Tom Moore | May 1, 2026 | Business Insurance, Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 5/01/2026 Key Takeaway: Business liability insurance for virtual events is not automatically covered the same way your in-person operations are. A standard commercial general...

Your Website Lets Users Post Content. Are You Ready for What That Costs You?

by Tom Moore | Apr 29, 2026 | Business Insurance, Auto Insurance, Commercial Insurance, Personal Insurance, Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/29/2026 Key Takeaway: User-generated content (UGC) liability is the legal risk a business takes on when it hosts content created by third parties — comments, reviews, forum...

What Franchise Expansion Does to Your Business Insurance (And Why It’s Not a Simple Add-On)

by Tom Moore | Apr 24, 2026 | Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/24/2026 Key takeaway: When a Spokane business owner expands to a second franchise location, their existing business insurance policy usually does not cover the new site by...

When One LLC Isn’t Enough: The Insurance Gaps in Multi-Entity Business Structures

by Tom Moore | Apr 22, 2026 | Umbrella Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/22/2026 Key takeaway: Multi-entity business insurance gaps occur when a business operates through more than one LLC, a holding company, or a tiered ownership structure, and the...

What Spokane Small Businesses Get Wrong About Referral Partnership Insurance

by Tom Moore | Apr 17, 2026 | Small Business Insurance, Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/17/2026 Key takeaway: A referral partnership or revenue-sharing arrangement between Spokane small businesses creates real liability exposure that standard general liability...