Running an e-commerce business comes with exciting opportunities, but also unique risks that traditional brick-and-mortar stores might not face. While you focus on curating great products and delivering excellent customer service, it’s crucial not to overlook the importance of robust insurance coverage. Two significant areas of concern for online sellers are product liability and shipping…

  When it comes to securing insurance, many people assume that the most straightforward and cost-effective approach is to go directly to an insurance carrier. They may not realize that they are missing out on the personalized expertise and advocacy of an insurance broker, like Morning Star Agency Insurance Services. While it may seem like…

  California’s insurance market is currently undergoing unprecedented and rapid changes, leaving many homeowners facing significant challenges and uncertainty. A confluence of factors has converged to create what many are calling a “statewide insurance crisis.” This includes escalating rebuilding costs driven by inflation and supply chain issues, coupled with an alarming increase in the frequency…

    Every day, small businesses across the country work hard to grow, support their employees, and serve their customers. But one serious, and often underestimated, risk threatens that effort: workplace injuries. According to a recent survey by Pie Insurance, a staggering 75% of small businesses experienced a workplace injury in the past year. Even…

When it comes to protecting the things you own, most people assume their homeowners or renters insurance policy has them fully covered. While these policies do provide coverage for personal belongings, they often come with limits—especially for high-value items. If you own valuable personal property such as fine jewelry, artwork, or collectibles, you may want…

As buildings age, so do the systems and materials they were originally built with. If your commercial or residential building is over 30 years old, it’s not just maintenance you should be thinking about—it’s insurance. Older buildings often come with increased risks, and insurance carriers take these risks seriously when evaluating your property for coverage.…

      In today’s competitive business environment, having the right insurance coverage isn’t just about risk management—it can also be a powerful tool to attract new clients and secure valuable contracts. Whether you run a small business or manage a growing enterprise, demonstrating that your company is properly insured can significantly boost your credibility…

When most people think about insurance, they focus on the essentials—auto, homeowners, or renters coverage. While these policies are crucial, they come with liability limits. If you’re ever involved in a serious accident or lawsuit that exceeds those limits, the financial consequences can be devastating. That’s where umbrella insurance steps in as an added layer…

As businesses gear up for 2025, ensuring a safe workplace remains a top priority—not only for compliance but for the wellbeing and productivity of employees. Understanding the current landscape of workplace injuries and how they impact your business can help you proactively reduce risk and manage costs. This report explores key trends in workplace safety…

  Running a business comes with its fair share of risks, and having the right insurance coverage is crucial to protecting your company’s future. However, many business owners make costly mistakes when purchasing or managing their insurance policies. Below are some common pitfalls and how to avoid them. 1. Underinsuring Your Business One of the…