Individuals who run a home-based business or work out of their home full- or even part-time may be surprised to learn that their insurance coverage for their business property and liability is limited. In fact, if you are relying on your home insurance policy, you are likely to have limited, if any, coverage for your business-related property and business-related liability incidents.

If you have a business that provides certain types of services to clients, it may not be a question of whether you need general liability insurance or professional liability insurance. You might need both.

In 2010, the Affordable Care Act mandated a number of changes to health coverage here in the United States. The intent is to provide benefits for an increasing number of people at a more affordable price. There will be changes for both employees and employers in coverage offered through employee benefit plans.

Contractors need to have business insurance in order to secure ongoing projects. In some states, it is not required by law, but business owners and homeowners are reluctant to hire contractors without coverage.

After a summer of hackers on Yahoo!, DropBox, eHarmony, and LinkedIn, consumers were racked by pre-holiday 2013 hacking of retailers like Target and Macy’s. These events exposed the private information of millions of users and consumers of these services and stores.