Empowering Your Decisions with Expert Knowledge
Insurance Insights & Smart Strategies
When Your Employee Gets Hurt Overseas, Your Policy Probably Doesn’t Follow Them
If you have employees working outside the U.S. — even temporarily — your standard business insurance probably doesn’t follow them. This post breaks down the liability exposures Washington employers typically miss, and what coverage actually fills those gaps.
The Handshake Deal That Voided the Coverage: What Spokane Small Business Owners Risk Without Written Contracts
Informal agreements feel fine until something goes sideways. For Spokane small business owners, operating without written contracts exposes you to payment disputes, liability gaps, and coverage that won’t respond when you need it. Here’s what’s actually at stake.
Does Your Business Insurance Cover Virtual Events and Webinars?
If your Spokane business runs webinars, virtual workshops, or online events, your standard general liability policy may not cover the claims you’re most likely to face. Here’s what to review before your next event goes live.
Your Website Lets Users Post Content. Are You Ready for What That Costs You?
User-generated content — reviews, comments, forum posts — looks harmless until it isn’t. A defamatory comment, a stolen photo, or a privacy violation uploaded by one of your users can pull your business into a lawsuit you didn’t see coming. Here’s what’s actually at stake, what your current coverage does (and doesn’t) cover, and what to do about it.
What Franchise Expansion Does to Your Business Insurance (And Why It’s Not a Simple Add-On)
Opening a second franchise location isn’t just a bigger lease — it’s a fundamentally different insurance risk. Spokane business owners who expand without updating their coverage often find out the hard way that their original policy doesn’t follow them. Here’s what actually changes.
When One LLC Isn’t Enough: The Insurance Gaps in Multi-Entity Business Structures
If your business runs through more than one LLC, a holding company, or a separate operating entity, your insurance program has gaps you probably haven’t found yet. Here’s what carriers actually cover — and what they don’t — when the legal structure gets complex.
What Spokane Small Businesses Get Wrong About Referral Partnership Insurance
Referral partnerships and revenue-sharing deals are everywhere in the Spokane small business world. But when something goes wrong in one of those arrangements, who’s liable? This post breaks down the insurance gaps most business owners don’t know they have until a claim lands on their desk.
Does Your Spokane Business Give Advice? Your General Liability Policy Won’t Cover What Happens Next.
General liability covers slips, spills, and property damage. It does not cover the claim that your advice cost someone money. If any part of your business involves guidance, recommendations, or professional judgment, you need a separate layer of protection — and most Spokane small business owners don’t have it.
Does Your Subscription Business Have the Right Insurance Coverage?
Subscription-based businesses collect recurring payments, store customer data month after month, and fulfill ongoing obligations — and most standard small business policies weren’t built for that model. Here’s what Spokane business owners running subscription revenue need to know about the insurance gaps that come with it.
The Liability Risks Buried in Your Business Terms and Conditions
Most Spokane small business owners set up their website terms and conditions once and never look at them again. That’s a problem. Online T&Cs can quietly transfer liability, waive your legal protections, and create coverage gaps your general liability policy won’t fill. Here’s what to watch for.