In today’s remote-first world, it’s not uncommon to have a rockstar employee living and working halfway across the globe. But if you’ve got a U.S. employee working abroad - even if they’re doing the same job they’ve...

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From tax prep and tutoring to candle making and piano lessons, more and more people are running small businesses right out of their homes. But here's a question you might not have considered: what happens if something...

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Why Are My Subcontractors Included in My Workers' Compensation Payroll? If you're a contractor in Michigan, you've probably faced an unexpected surprise when your workers' compensation (WC) audit includes payroll for...

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According to Cornell Law School, negligence is “a failure to behave with the level of care that someone of ordinary prudence would have exercised under the same circumstances.” This applies to professional services and...

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Sticker shock and revolving risk are the new normal. Extreme weather, cyberattacks, supply chain interruptions, worker shortages, wars and inflation keep hammering the insurance market. It’s like the classic “I Love...

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Are you looking to buy another company? Folding its property, customers and employees into your organization is no small feat. Even if you plan to keep it as a subsidiary, you need to do full due diligence on the...

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According to the U.S. Environmental Protection Agency (EPA), 10% of homes have leaks that waste 90 gallons or more per day. Nationwide, that amounts to nearly 1 trillion gallons of water wasted every year. The EPA’s...

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When planning an event or activity, it’s common to wonder why you might need an insurance policy if participants have already signed liability waivers. After all, isn’t a waiver enough to protect you? While waivers are...

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When homebuying, you’ll create a budget based on price, taxes and insurance. You’ll balance your budget against other expectations like home size, location and condition. You might find a home that’s part of a...

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Every new year, you set resolutions to make yourself better, healthier, stronger, friendlier, lighter and so on. Unfortunately, these resolutions are not always realistic. We all want to do better, but we sometimes set...

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Your commercial insurance policy has “aggregate limits” on how much the insurance company will pay during the policy’s term. If you suffer multiple calamities in a short time, you could run out of coverage. Aggregate...

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Everyone makes mistakes. Even when you fulfill your contractual obligations, clients may be unhappy. The reality is that lawsuits happen, regardless of your actions. Risk mitigation is critical to preventing...

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You’ve been invited to serve as a director or officer on the board of a corporation or nonprofit. This is an exciting opportunity that also comes with potential liability exposures across several areas, including...

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The clock is ticking. At the start of 2025, many businesses will be required to follow new cybersecurity reporting requirements under the Cyber Incident Reporting for Critical Infrastructure Act (CIRCIA). These...

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As a homebuilder, you count on your insurance to financially protect you in case of a claim, but are you aware of what your policy doesn’t cover? Whether problems arise from your work, a subcontractor’s work or faulty...

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It's hard to overstate the importance of liability insurance to your business. The right liability insurance protects against injury and property damage claims that can cost millions. How liability insurance works -...

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No matter where you go, people need to go. You may need to rent portable toilets and sanitation stations for things like: Weddings and parties Commercial events Residential events Workplace events Fundraisers Disaster...

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Fraudsters superpowered with artificial intelligence (AI) are quickly becoming a reason to be skeptical of nearly everything, including wrong numbers and telemarketers. In a new phone scam, fraudsters steal a sample...

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In the past, contractors didn’t need to be concerned about professional liability insurance. It was traditionally carried by architects, engineers and other design professionals for errors and omissions. But these days,...

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A fire extinguisher is a very effective tool for putting out a fire that is just getting started. Knowing how to properly use an extinguisher reduces the risk of a larger fire developing and destroying your workplace or...

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Commercial property owners are struggling to balance a positive bottom line as tenant vacancies and insurance premiums increase. According to Moody’s Analytics’ Q4 2023 Preliminary Trend Announcement, commercial real...

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At Rathbun Insurance, we aim to live out our value of 'Give It Away To Keep It' by investing in the future, and what better way to do so than by providing hands-on experiences for students eager to explore the world of...

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In the dynamic landscape of the insurance industry, we currently find ourselves amidst what experts term a "hard market." This phase challenges insurance companies to reevaluate their strategies in the face of mounting...

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The trucking and freight industry is crucial to the economy, transporting goods from coast to coast. But a lot of liability is riding on your trucking and freight operation. Thieves stole over $31.1 million in shipments...

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Many factors affect your home insurance rates. Some have to do with the age, location and structure of your home. Others have to do with local crime rates, school districts and weather hazards. But there’s one factor...

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At Rathbun Insurance, we prioritize your safety and the success of your business. In this blog, we aim to provide insight into what a loss control visits entails and outline the carrier's goals and expectations,...

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In the realm of financial planning, insurance serves as a safety net that shields individuals, families, and business from unexpected and potentially devastating losses. Whether it’s health, life, auto, liability, or...

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Adding some holiday magic to your business? From accessibility to food safety, we’ve got you covered. Check out these 15 tips to keep your holiday decorations safe. 1. Holiday tree fires: Set up your tree(s) far from...

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Insurance is an essential aspect of financial planning and risk management. It provides a safety net that helps individuals and businesses safeguard themselves against unforeseen events and unexpected expenses. However,...

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We live in an app-enabled world. You can order groceries, hire a dog walker and book a vacation without leaving your home or speaking to a real person. It makes sense to think insurance is something you can do online,...

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In the ever-evolving landscape of the insurance industry, we find ourselves in the midst of what experts refer to as a "hard market." This term is indicative of a phase where insurance companies face increasing...

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At Rathbun Insurance, we understand that traversing the world of insurance can be complex and overwhelming. In this blog, we'll shed light on the crucial difference between underwriting decisions and coverage decisions....

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Commercial insurance rates are increasing on nearly every line of coverage, thanks to a rise in the frequency and severity of claims. And business owners are noticing significant premium hikes at policy renewal time....

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In today's digital age, where businesses heavily rely on technology, the threat of cyberattacks looms larger than ever before. While companies have been diligently investing in cybersecurity measures to safeguard their...

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Workplace safety and security are non-negotiable priorities for businesses of all sizes. When it comes to protecting your employees and your company's assets, one designation stands out as a beacon of expertise – the...

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In a groundbreaking decision, the Michigan Supreme Court delivered a landmark ruling that promises to reshape the terrain of premises liability cases. The ruling, arising from the consolidated cases of Kandil-Elsayed v....

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Cyber liability insurance won’t prevent a hack, but it will help you recover from one. There are two main types: First-party coverage, which responds to losses resulting from cyberattacks on your business network Third-...

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When you purchase a commercial insurance policy, you are making an investment in protecting your business. Commercial insurance policies are designed to cover a wide range of risks that businesses face, including...

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As a business owner, it's crucial to stay informed about the ever-evolving legal landscape that can affect your operations. The Pregnant Workers Fairness Act (PWFA) is a recent law designed to ensure that pregnant...

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As a contractor, you may find yourself juggling multiple projects, managing clients, and ensuring that the work gets done efficiently and safely. In the midst of all this, it's crucial to have a comprehensive...

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When you purchase a commercial insurance policy, you are making an investment in protecting your business. Commercial insurance policies are designed to cover a wide range of risks that businesses face, including...

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As you navigate the world of insurance, you may encounter different types of agents. Two common types are independent agents and exclusive or captive agents. While both types of agents can provide you with insurance...

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Many small business owners are unaware of the high cyber liability risk that they pose in today’s digital world. Oftentimes, we hear businesses who think they are too small to be targeted by cyber criminals or that they...

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Yes.We work with a lot of smaller nonprofit organizations and are often asked about the importance of Directors and Officers Liability insurance. But what exactly is this coverage? And how could not having it affect an...

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For sixty four years, we have been proud to partner with the best insurance carriers that offer broad coverage and competitive pricing. We are very excited to announce that we have added Pioneer State Mutual to our...

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We have had several questions the last few weeks on how to reduce premiums during the mandatory stay-at-home order for both businesses and individuals. Most all carriers are making accommodations if you call their...

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If you’re looking for coverage on your policies that respond to COVID-19, you’re likely out of luck. Insurers learned their lesson the hard way from previous health outbreaks by limiting coverage in their policies and...

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