Gordon Coyle 
Here’s a reality that shocks most business owners: one defective product can bankrupt an otherwise successful import company overnight. I’ve seen import businesses with spotless safety records get hit with six-figure lawsuits because a single product malfunctioned. Without proper coverage, legal defense costs alone can drain your working capital before you even reach a settlement … Read More
The new wave of Trump’s Tariffs, scheduled to bite on April 1, 2025, has already rattled supply chains, profit forecasts, and strategic plans. Yet the effect most owners overlook is insurance. Premiums, limits, and even policy wording can all shift when imported goods suddenly cost more, contracts wobble, or receivables slow. TL;DR Will Trump’s Tariffs Increase … Read More
Did you know that 60 % of small businesses shut down within six months of a cyber-attack? In today’s digital economy, understanding tech E&O vs cyber coverage isn’t just helpful, it can mean the difference between scaling and shutting your doors. Below, you’ll learn exactly how the two policies differ, where they overlap, and why … Read More
Biotech insurance is the safety net that lets visionaries innovate without losing sleep. In a world where only 10–20 % of drug candidates survive the gauntlet from Phase I to FDA approval, a single misstep can drain years of R&D and millions in funding. This guide shows biotech leaders exactly how to protect their people, data, and … Read More
If you’re a business owner frustrated by rising premiums and inconsistent insurer behavior, you’re not alone. This guide provides a thorough explanation of captive insurance—what it is, how it works, and how it can help you take back control of your insurance strategy. As of mid-2024, insurance companies have been raising rates somewhat indiscriminately, often … Read More
Could Your Business Survive a $150,000 Loss? Imagine it’s a regular Monday morning. You’re sipping your coffee, sorting emails—then the phone rings. It’s your company controller, and they’ve just discovered $150,000 missing from the business account. After some investigation, the source becomes clear: employee theft. And, you ask yourself: What is Crime Insurance? A loss … Read More
Why Having the Right Insurance Matters Are you confident your business could survive a lawsuit, warehouse fire, or major supply chain issue? If you’re unsure—or feel like your current insurance is missing key coverage—this guide is for you. As a wholesaler or distributor, your business has unique exposures. From managing inventory to coordinating deliveries, one … Read More
Bakery Insurance Explained Running a commercial bakery? Then you already know your biggest risks: fire, breakdowns, employee injuries, contamination, employee injuries—the list goes on. But here’s what most bakery owners miss: the real danger is either being underinsured when disaster strikes or overpaying for coverage that doesn’t deliver. This guide shows you how to avoid … Read More
Commercial Auto Insurance Costs Explained. So, you’re either in the market for commercial auto insurance or you’ve just received your insurance bill and are a bit shocked. I get it. Commercial auto rates are rising and have been for the last several years, and you’re looking for alternatives, ideas, or options. Unfortunately, it’s impossible to ballpark or … Read More
Non-Profit D&O Insurance or Directors & Officers Liability Insurance. What is it, why do you need it, what does it protect and how do you get it? I’m going to answer those questions and more in a moment. Let’s start off with understanding what D&O insurance coverage is all about and what it’s intended to … Read More
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