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...

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”...

Is Your Business Insurance Ready for AI Automation? Most Aren’t.

by Tom Moore | Mar 20, 2026 | Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/19/2026 Key takeaway: Business insurance and AI automation risks are increasingly connected, and most small business policies in Spokane haven’t been updated to reflect...

Co-Branded Marketing Partnerships Have a Liability Gap Most Businesses Never See Coming

by Tom Moore | Mar 18, 2026 | Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/16/2026 Key takeaway: Co-branded marketing partnership liability refers to the legal and financial exposure that arises when two or more businesses jointly promote a product,...