Jaclyn Moriarty

Professional liability insurance protects small business owners in claims they made an error or omission while performing professional duties. Generally, this policy covers financial losses due to unintentional acts of negligence rather than liability for bodily injury or property damage. Professional liability policies cover accusations over honest mistakes as well as meritless allegations from customers….

Workers’ compensation insurance covers workplace injuries and illnesses. Certain types of injuries aren’t covered while others fall into a grey area. If an injury or occupational illness is sustained while you are performing the duties required by your job, it’s probably covered. For example, you fall off a ladder at work and break your leg….

Personal and advertising injury coverage, included in commercial general liability insurance, protects your business against claims typically involving an infringement on a third party’s personal or intellectual rights. It can cover libel, slander, and copyright infringement. Coverage provides defense up to your personal and advertising injury coverage limits, in the event of a claim. What…

Workers’ compensation insurance is required in most states to pay employees’ medical bills and wage replacement after a workplace injury or illness. In Washington, workers’ compensation insurance is required for all employers with one or more employees. Washington is unique because it’s a monopolistic state, which means employers must purchase coverage through the state fund….

General liability insurance is a fundamental business policy covering risks inherent in most operations, namely harm to third parties. Many insurers write general liability on standardized forms, making coverage similar across carriers. Understanding standard general liability insurance coverage can help you manage risks and identify other necessary policies. Most business owners get general liability insurance…