A small under insured personal injury can ruin a business.

You may not have $5,000 to $25,000 on hand and ready to cover one of the most common business accidents.

Here is how a common lease requirement can cost you: The problem lies within the lease terms.

Leases: These documents often specify that parties carry liability insurance covering “Personal Injury”, when in fact what they really require is insurance covering “Bodily Injury” (blood, bruises, broken bones or death).

Problem: You have a client who trips on a floor mat or phone cord. Maybe they slip on the ice, or a wet floor area. You have Personal Injury insurance per the terms of your lease.