Restaurants face a variety of risks, from customer injuries and employee accidents to property damage and equipment failures. Having the right insurance coverage in place helps protect your business, satisfy legal requirements, and support long-term success. We work with restaurants, bars, cafes, food trucks, and hospitality businesses to identify coverage […]
Cyber insurance can help cover the financial impact of a ransomware attack, making it one of the most important protections for today’s small and mid-sized businesses. However, coverage details, limits, and exclusions vary between carriers and policies, which is why we help our clients understand exactly what’s covered before a […]
Home health agencies operate in one of the most liability-exposed sectors in commercial insurance. Caregivers work in patients’ homes, perform medical and personal care tasks, and are subject to state-level licensing and compliance requirements that vary significantly across state lines. A single negligence claim, whether valid or not, can result […]
Workers’ compensation insurance may be required for small businesses that have only one employee, but the rules vary widely depending on the state where the business operates. Business owners with minimal staff must understand their state laws to maintain compliance and protect both employees and themselves from liability. When Does […]
Home health agencies must carry general liability, professional liability, and workers’ compensation insurance — plus additional coverage like cyber liability and commercial auto. This guide explains each required policy, why it matters, and how Suracy helps home health agencies get the right coverage. Required Insurance for Home Health Agencies The […]
Comparing business insurance quotes without missing critical coverage takes more than lining up premiums side by side. According to the 2025 Hiscox Underinsurance in Small Business Report, 77% of US small businesses are underinsured, and 74% misunderstand what their general liability policy actually covers. A cheaper quote often means thinner […]
General liability insurance covers physical risks — bodily injury, property damage, and accidents that happen on your premises or because of your operations. Professional liability insurance, also called errors and omissions (E&O), covers claims that your advice, service, or work caused a client financial harm due to negligence, mistakes, or […]
Yes, caregivers need workers’ compensation coverage in nearly every state, and it’s especially critical in home health, where injury rates run well above the national average. Workers’ comp protects caregivers when they’re hurt on the job and shields agency owners from medical bills, lost-wage claims, and lawsuits. Home health agencies […]
