Insurance Coverage Concerns for Businesses Using Offshore Contractors

by Tom Moore | May 12, 2026 | Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 5/13/2026 Key takeaway: Using offshore contractors — developers, designers, virtual assistants, or any service provider based outside the US — creates insurance exposure that most...

When Your Employee Gets Hurt Overseas, Your Policy Probably Doesn’t Follow Them

by Tom Moore | May 10, 2026 | Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 5/10/2026 Key takeaway: International employee liability insurance covers the legal and financial exposure Washington employers face when workers are injured, cause harm, or face...

The Handshake Deal That Voided the Coverage: What Spokane Small Business Owners Risk Without Written Contracts

by Tom Moore | May 10, 2026 | Business Insurance, Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 5/10/2026 Key takeaway: Informal business agreements — verbal commitments, texted agreements, “we’ll figure it out” arrangements — create gaps that insurance...

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...