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...

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...

Does Your Spokane Business Give Advice? Your General Liability Policy Won’t Cover What Happens Next.

by Tom Moore | Apr 15, 2026 | Small Business Insurance, Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/15/2026 Key takeaway: Professional liability insurance — also called errors and omissions (E&O) insurance — protects Spokane small business owners from claims that their...

Does Your Subscription Business Have the Right Insurance Coverage?

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

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 4/10/2026 Key takeaway: Subscription-based businesses in Spokane face insurance risks that standard commercial policies weren’t designed to cover. If you’re charging...

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...