One of the many challenges owners face in running a successful company is the chance that somebody will enter their property illegally and steal from them. Unfortunately, in business, burglary is an ever-present risk.

One of the great things about business insurance is that you can control your costs when choosing your coverage. That’s mainly because providers offer flexibility in setting your policy limits and deductibles. These features affect your costs in different ways and can be fine-tuned to ensure you have the protection you need at a price you can afford. But what exactly are insurance limits and deductibles?

Business competition today is fierce. Consequently, creating and sustaining a strong company culture is more than just a perk—it's a necessity. A positive, thriving work environment can attract and retain top talent, boost productivity, and foster a sense of belonging among your team members.

As a business owner, you might have situations where your operations change, and you wonder: Can I cancel my insurance anytime? That’s an excellent question! It’s crucial that your business has all the financial protection it needs, but, of course, you don’t want to pay for coverage that’s no longer necessary.

Have you heard of employer’s liability and workers' compensation coverage? Both relate to workplace injuries, health issues, or fatalities, but they serve different purposes and protect different parties. If you’re a business owner, it’s important to understand the protection provided by employer’s liability insurance vs. workers’ compensation insurance.

As a small business owner, you juggle a lot. From finding new customers to hiring reliable help to the rising costs of goods, there is a lot to think about each day. While no small business owner wants additional “to-dos” on their list, we think you’ll agree that being proactive often has more benefits than being reactive—especially in relation to emergencies.

You’ve started your small business, and revenue is coming in. That’s great news! Nothing feels better than seeing your dream become reality. But you probably want your business to do more than just survive—you want it to thrive. So, now that you’ve established your brand, it’s time to use some proven business growth strategies to kick things into overdrive!

Dictionary.com defines ethical as “being in accordance with the rules or standards for right conduct or practice, especially the standards of a profession.” At biBerk, being ethical in our interactions with customers and business partners is a top priority. So, we’re thrilled to say that we’ve earned a Torch Award for Ethics from the Better Business Bureau of the Midwest Plains!

To protect you properly, your insurance policies need to reflect the current state of your business. That fact won’t surprise most business owners or anyone who has insurance—business or personal. When what’s being insured changes, you (and your insurer) need to update your policy. That’s why it’s critical to stay in touch about your workers’ compensation coverage.