Vacant Building Coverage

| Vacant Building Insurance.

Hidden in plain sight in nearly every property insurance policy is a provision that limits or removes coverage if a building is vacant. Some policies remove coverage for certain perils, such as vandalism, sprinkler leakage, water damage, glass breakage, and theft or attempted theft (CP0010). To address this vacancy provision in the policy form, you… Read more »

5 Contractor Insurance Tips

| Business Insurance, Commercial Umbrella, Contractor insurance, General Liability Insurance, Insurance education.

Like many industries, contractors have very specialized business insurance needs. When choosing an insurance provider, contractors would be well served to work with an agent that understand their industry. Here are 5 contractor insurance tips to make sure you have the right coverage for your business. Understand additional insured endorsements. There are dozens of additional… Read more »

Insurance for Nevada Law Firms

| Business Insurance, Data Breach, Professional Liability.

Whether you operate as a sole practitioner or a large firm with many attorneys, law firms have unique insurance needs. At Safeguard Insurance, we have been providing coverage for Nevada law firms since 1998. We have the experience to provide the coverage your law firm requires, and the markets to make sure you have the best… Read more »

The History of Workers Compensation in Nevada

| Agency Customers, Business Insurance, Workers Compensation Insurance.

One of the first widespread social insurance programs developed in the United States was workers compensation. Workers compensation is specialized insurance coverage purchased by employers to provide for medical care, rehabilitation expenses and indemnity payments (disability) for employees that are injured in the course of employment. The first workers compensation laws were developed by Maryland,… Read more »

Your Small Business Needs Cyber Liability Insurance

| Business Insurance, Data Breach, Uncategorized.

Do you think data breaches only happen to large companies?  Think again.   The headlines are filled with stories of huge data breaches affecting thousands of people.   But the often untold stories are the hundreds of small businesses that suffer a data breach every year.  The truth is, your small business needs cyber liability… Read more »

The importance of insurance to value

| Business Income, Business Insurance, Commercial Property Insurance, Home Insurance, Homeowners Insurance, Landlord Insurance.

Insurance to value, abbreviated as ITV, is an important concept in the world of property insurance.   It applies equally to personal insurance and business insurance.  Essentially, any insurance that is covering something tangibile like a home, renter contents, commercial building, business inventory or even business income, needs to have adequate insurance to value. What… Read more »

Business Insurance That Fits Like a Glove

| Business Insurance.

There are no two businesses that do things the exact same way.  Even within the same industry, business owners develop their own procedures, policies and company culture.   It is this diversity of operations that makes our free markets work – the best run companies survive and thrive.   Likewise, business insurance programs should always… Read more »

Why do I need EPLI Insurance?

| Uncategorized.

Did you know that a business owner is more likely to be sued over employment disputes, than other type of liability claim? Nearly 75% of corporate litigation today results from some type of employment dispute.  Small business is not immune from this trend.  In fact, nearly 40% of all employment related disputes are filed against… Read more »

Protect your Company with Las Vegas Business Insurance

| Business Insurance, Workers Compensation Rating.

Nevada has a well-deserved reputation for being a business friendly State.  Our relatively low tax structure and legal protections make us a haven for corporations located inside and outside of the State.   Just a few decades ago,  Las Vegas’s industry centered around gaming, tourism, and construction.  Today, our economy is much more diversified including tech and… Read more »

Auto Body Shop Insurance

| Blog.

If you own an auto body shop, a used car dealership, or garage, you know that accidents can happen at any time. Even the most routine procedures can be messed up, and small mistakes can lead to costly damages or even law suits. Regular business insurance may not cover all of the specific liability needs of your auto shop, and Nevada body shop and garage insurance may be a better option for you.