Running a business comes with plenty of challenges, and insurance is one area where mistakes can be costly. From underinsuring key assets to misunderstanding policy exclusions, commercial insurance missteps can leave...

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For many businesses, equipment is the engine that keeps operations running. Whether it’s commercial HVAC units, manufacturing machinery, kitchen appliances, or company vehicles, equipment failures can bring work to a...

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Workplace injuries affect more than just your team. They can also disrupt operations and increase costs. For business owners, preventing injuries is key to protecting employees, maintaining productivity, and minimizing...

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Expanding your business to a new location is an exciting step toward growth, but it also introduces new risks. From property protection to liability coverage, ensuring your business insurance policies align with your...

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Artificial intelligence (AI) and automation are transforming industries across the board, and business insurance is no exception. From streamlining claims processing to introducing new risks that companies must address,...

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Attracting and retaining top talent is a cornerstone of business success, and offering comprehensive insurance benefits plays a pivotal role in achieving this. Employees want to feel secure, valued, and supported in...

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As the end of the year approaches, many business owners take the time to reflect on their accomplishments and plan for the future. While preparing for the year ahead, it’s easy to overlook one critical aspect of...

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Operating a seasonal business can be both rewarding and challenging. Whether you run a landscaping service in the summer, a ski rental shop in the winter, or a holiday-themed retail store, your business has unique...

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As artificial intelligence (AI) continues to revolutionize industries, its integration into business operations has become almost inevitable. AI offers substantial benefits in efficiency, decision-making, and automation,...

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In the complex world of business operations, unforeseen events can lead to liabilities that exceed the limits of your existing insurance policies. This is where Commercial Umbrella Insurance comes into play, offering an...

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The shift towards remote work has introduced numerous benefits for businesses worldwide, including increased flexibility and reduced overhead costs. However, this shift also presents new challenges in data security and...

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In the commercial auto industry, safety is paramount. Not only does it concern the well-being of drivers and the public, but it also significantly impacts operational costs and company reputation. With advancements in...

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The rise of home-based businesses has been one of the most significant shifts in the modern work landscape. While operating a business from home offers convenience and flexibility, it also necessitates careful...

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Business owners have multiple types of insurance to protect them from a variety of financial and legal risks. They should also protect their employees with workers’ comp insurance. Here’s what you need to know about...

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If you own a rental property - whether a long-term one or a short-stay place you rent out to vacationers - you want to treat it like a business, as it provides income for you. Here are six smart devices that can help...

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With the increase in online business operations and employees working from home, companies are at greater risk of internet fraud. To help keep your business from what could be a potentially ruinous incident, follow...

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Remote work is rapidly becoming a business model for the future. If your company has never hired remote workers before, here are some expert tips to help set you up for success and protect your business too. Determine...

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Whether you’re a small startup or a large enterprise, you no doubt have business insurance to protect your investment and hard work. It’s easy, however, to operate on autopilot without assessing your insurance coverage...

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Reputation management and its cousin, brand reputation management, are essential these days if your business has an online presence. Here are a few ways you can help protect your company’s reputation both on a regular...

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If you’re opening a branch of your company in another state, congratulations! That means your business is thriving. Here are four important considerations to mull over as you expand. What Does Commercial Property Cost?...

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Owning rental properties is a fantastic investment and a great source of regular income. You can safeguard your profit margins by reducing insurance claims for damages and liabilities. Use this checklist to make sure...

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Artificial intelligence has been taking the business world by storm lately, especially with the recent releases of new AI software. Would using AI be a good decision for your business? Let’s look at the pros and cons....

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Smart businesses have a plan in place to get up and running and protect their data if the worst happens. Here’s how to build a business continuity plan in case your company needs to deal with a catastrophe. Assess Your...

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Small businesses today face many of the same challenges that larger ones do, and they're vulnerable to many of the same risks as well. One increasing danger for small businesses is cyber liability, because they're...

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With increasing energy costs, businesses are always on the lookout for ways to save money. Did you know that you can cut heating and cooling expenses by strategically landscaping your commercial property? Here are four...

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Commercial auto insurance is a must if you or your employees use vehicles for work. While this costs money upfront, it can save you in the long run. Just one bad accident without sufficient coverage can expose your...

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If you’re starting up or buying a new business, it’s vital to have the right insurance coverage to protect your investment and your employees’ livelihoods. But it can be confusing shopping for multiple business...

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As the owner or property manager of a commercial building, your fire safety protocols can mean the difference between life and death. Here’s a checklist to help you ensure your commercial property stays safe for...

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If you own or manage a commercial property, you may be able to reduce headaches, expenses, and safety issues by properly maintaining the structure and grounds. Here’s a commercial property maintenance checklist to get...

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If your team has been working remotely for the last few years due to the pandemic, you may be returning to the office now that the situation has changed. To help your group adjust, here are five expert tips. Start With...

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If you own a business, no matter what size it is, you most likely need business insurance. However, just because you have commercial insurance doesn’t mean you always have the right protection. Here are four of the most...

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Many startups and small businesses often forgo business insurance to save money. However, this can backfire and actually cost you more in the long run - without the protection business insurance affords. Here’s why...

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Smart business owners have business insurance, no matter how big or small their company is. But do you have all the coverage you need? Here are five places where business owners often find themselves lacking in...

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If you own a small business, especially if you work alone, you may think you don’t need business insurance. But actually, without this protection, you could be opening yourself up to a world of liabilities. Here’s what...

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The remote work model of the last few years is shaping up to be the wave of the future. Follow these tips to support your remote employees, whether it’s for a few months as needed or as a permanent new business model. ...

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Work consumes a huge chunk of most people’s lives. As such, a healthy and positive work environment is vital for employee mental health and business success. Luckily, more companies are now bringing mental health to the...

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As your business grows, so do its associated risks. Whether you are offering new products, increasing your headcount, expanding your operational structure, or shifting to a new location, all these moves come with...

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As a business owner and employer, it is your moral and legal obligation to keep your employees safe and healthy at all times. Despite your intentional efforts to keep their work environment as safe as possible,...

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Businesses are exposed to many different types of risks. A single, unfortunate incident or lawsuit can cause your business to crash before it can even get off the ground. Luckily, there is a wide range of business...

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One of the most disheartening experiences is to find flooding or extreme water damage to your treasured home. At Hometown Insurance, Rhonda Botts Agency, we know you want to protect what's important. That's why we're...

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As the second Sunday of May nears, it's time to think of ways to celebrate mothers - although, of course, that's a worthy pursuit at any time of year! At Hometown Insurance, Rhonda Botts Agency, we thought it would be...

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