Starting a business is hard enough without insurance turning into another headache. But every year, we watch new business owners make the same avoidable mistakes when it comes to protecting what they’re building. Here’s what to watch for. 1. Waiting…
By Tyler Hunter If you’ve ever tried to figure out whether your business counts as “small,” you’ve probably run into a frustrating truth: it depends who’s asking. The Small Business Administration defines it one way. Your bank might define it…
By Tyler Hunter Starting a new business is exciting — and it’s easy to let insurance slide to the bottom of the to-do list behind licensing, financing, and getting your doors open. But if you’re forming an LLC specifically to…
A sub tells you they’re covered. You get a certificate of insurance. Everyone moves on with the job. Then someone gets hurt, and you find out the certificate was outdated, the policy had lapsed, or worse — it was never…
One of the most common questions we hear from small business owners is whether they need to carry workers compensation coverage on themselves. If you own an LLC in Missouri, the answer has a few layers — you’re generally allowed…
Protecting Your Cards, Your Store, and Your Community The collectible card business has exploded. Between vintage sports cards, graded Pokemon cards selling for five figures, and the steady popularity of Magic: The Gathering, card shops today are holding inventory values…
By Kirk Reisner, AIC — Partner, MBG Insurance Talk to enough small business owners about insurance and you hear the same frustrations on repeat. “I never hear from my agent until renewal.” “My certificate requests take a week.” “I got…
Is That Contractor Really Covered? How to Verify Workers’ Compensation Insurance in Missouri By Kirk Reisner, AIC — Partner, MBG Insurance I started my insurance career as a claims adjuster before I ever sold a policy, and I’ll tell you…
If you’re a general contractor in Missouri, you’ve heard every version of this argument: “I’m exempt.” “I’m just a one-man shop.” “I’ve never had a claim in 20 years.” “You’re the only GC who asks for this.” Here’s the problem:…
8 Situations That Warrant a Quick Heads-Up One of the most common questions we hear from business owners is some version of: “What should I be watching for? When do I actually need to call you?” It’s a great question…
