*First and foremost, I would like to recommend, Gus from BAM Graphics Consulting.  He has always helped me with all my website needs and web-presence. There is a current .:promotion:. right now, (which I wish he would have had this several years ago for me to take advantage, ehem) … O.K. plug is over.

Does your Business Insurance include coverage for your Website?

Yes – this is the short answer. Now it really depends what your website is doing for you, and how you use it.  The truth is so many small-businesses have a website which is really nothing more than an “electronic-business card”. However, if your business makes money or provides information, it’s time to consider the Exposure level. The idea of Business Insurance is to protect you from losses, so that, well…you stay in business – To avoid a financial disaster.

Insurance Questions… I Can Help. #freevipquote

[[ The 3 Liability Insurance Policies Every Web Business Should Have

When you run a home-based web business, you do most of your work alone, online, and from the comfort of your own pad. But just because you work from home doesn’t mean you don’t face business risks every day.

The act of opening a business and taking on work as a small IT business owner exposes you to the potential for a liability lawsuit if something goes wrong.

I Work From Home – What Could Possibly Go Wrong?

If your typical work day involves waking up, grabbing a coffee, and settling in on the couch with your laptop to remotely repair computer snafus, create code, or design websites, it’s hard to imagine that simply doing your job might land you in a courtroom. But it happens more often than you’d think.

Not to be a Debbie Downer, but there are numerous things that can go wrong for a typical home-based IT business:

  • A client or visitor could get injured. If you meet with clients in your home office, you could be liable if they’re injured or their property is damaged. So, if you have a wonky front step and a client trips and falls, your business could be liable for paying her medical bills.
  • A project could go wrong. Software research advisory firm The Standish Group released a report [PDF] in 2013 that revealed that only 32 percent of all projects are delivered on time and on budget. Forty-four percent were late, over budget, or had other issues. The remaining 24 percent failed outright. That means almost one in four projects you are hired to work on could end up tanking.
  • There could be a miscommunication. While working on a client project, there’s always a chance that the client’s expectations for the finished project won’t align with reality. And if they aren’t particularly tech savvy, communication can be even trickier – easily leading to a misunderstanding and contract dispute.
  • A data breach could happen. If you are in any way responsible for maintaining the integrity of a client’s data, and they get hit with a breach, your business is going to take some heat. Kaspersky Labs, an antivirus software and Internet security provider, found in a recent study [PDF] that the average small-business data breach costs $38,000, with indirect recovery costs of an additional $8,000. If your client is impacted by a breach, you can be sure they’ll look to you to cough up some cash to deal with the aftermath.

Full article can be found at: techinsurance dot com ]]