Directors and Officers Liability Insurance

Enron, Bear Stearns, Tyco Ltd, Parmalat, Earnest and Young. Just a few examples of recent infamous directors and officer liability cases

If I had to pick one of the numerous corporate implosions in the past decade it would have to be Enron. I remember sitting in traffic several years ago listening to the radio and hearing about Enron's stock crashing down to .50 cents. Despite the steep stock price drop analysts were still touting and clamoring on about how solid the company remained and recommended listeners buy now while the stock was artificially deflated. If it wasn't for my recent fall out with analyst over their misguides with Polaroid; an investment fiasco I still today keep at the top of my social talking point list, I would have gone home and scooped up a bunch of Enron stock that night. Lesson well learned, as about week later news broke that Enron had been 'cooking the books'; a term newly fabricated from the numerous recent discoveries of corporations hiding debt in order to inflate stock prices and balance sheets.

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Business Insurance

Insurance Coverage Every Business Should Have

Time after time when I review a new business clients' current insurance coverage I discover not only misunderstandings about their existing coverage, but often times serious gaps in coverage. Sometimes a business might expose itself to new risks (like selling online) and doesn't realize it should talk to their agent about the change in business. Other times agents don't ask the right, or enough questions. Hopefully, you're a business owner reading this and confident in your coverage and the capability of your insurance agent. But if you're not, or just searching for answers, we have put together this list of business insurance coverage every business owner should seriously consider. If you find you don't need some of these coverages now there's a good chance in the future you will as your business grows. And as always, please keep in mind the coverage suggestions are a good starting point, but depending on your business you may need additional insurance coverage not mentioned here.

Read more: Small Business Insurance - The Basics

Gaps In Business Insurance Biggest Risk For Small Businesses

Insurance for any type of business is not a luxury, it's a necessity. Failure to have adequate coverage can have catastrophic ramifications under a wide number of circumstances, including lawsuits, employee injuries, and disasters.

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Gaps In Small Business Insurance

Biggest Risk For Small Businesses

Insurance for any type of business is not a luxury, it's a necessity. Failure to have adequate coverage can have catastrophic ramifications under a wide number of circumstances, including lawsuits, employee injuries, and disasters.

Read more: Small Business Insurance - Biggest Risks

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