Author: tomburns

Rental Income Insurance: Don’t Run Out

SCM: Loss of Rental Income Insurance Policy

Most “off the shelf” commercial property polices only provide12 months loss of rental income when a property is shut down due to a covered claim. This may not be enough rental income insurance coverage because issues can delay repairs when a commercial property suffers a large loss.

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Employment Practices Liability (EPL) Insurance Basics

SCM: Employment Practices Liability Insurance

“Sexual Harassment in the workplace is the OWNER’s problem!” That’s right, if an employee is sexually harassed by another employee, without the business owner’s knowledge, the business owner can be held accountable! To feel safer, you should strongly consider obtaining an Employment Practices Liability (EPL) policy.

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Do I Need Earthquake Insurance?

SCM: Earthquake Insurance Policy

People ask us all the time if they need earthquake insurance. The simple, snarky answer is “it depends”… Here’s the short answer: earthquake insurance makes a ton of sense if you have a lot of equity in your home or income property. In addition, if you depend upon cash flow from income  property,  consider this: […]

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OSHA Posting Requirements

SCM: OSHA Reporting Requirements

The Occupational Safety and Health Administration (OSHA) requires employers with more than 10 employees to keep a record of serious work-related injuries and illnesses. Minor injuries requiring first aid only do not need to be recorded. All employers must maintain a Log 300 and post the summary page of last year’s logs. If you need […]

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Insurance for Technology Businesses

SCM: Insurance for Technology Businesses

Are you in a technology business? Are you confused about what type of business insurance you really need? With so many carriers and insurance products, finding the right coverage can seem impossible. And even if you buy insurance, you may not end up with the right product for your unique business requirements. That’s why we […]

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