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,...

Insurance Risks When Using White-Label Services

by Tom Moore | Mar 13, 2026 | Small Business Insurance

Reviewed by Tom Moore, Agency Partner, CA Agency Insurance License 6003355Last reviewed: 3/19/2026 Key takeaway: Insurance risks when using white-label services start the moment you sell someone else’s work under your own brand. If the client sees your name on the...