Business
Civil Authority Coverage Explained
Often available as a supplement to commercial property coverage, business interruption (BI) insurance can offer much-needed financial protection for...
The Causes and Consequences of Underinsurance
Robust insurance coverage is a cornerstone of effective risk management for small businesses. A single uninsured event can cause severe financial...
Can You Insure a Sober Home Under a Personal Name?
For many aspiring sober home operators, the journey begins with a powerful personal commitment to helping others. These "social service...
Sample Subcontractor Agreement
Bitner Henry Insurance Group provides this free sample subcontractor agreement. This sample contains: Sample terms and conditions of work...
DOL Issues Guidance on Independent Contractor Misclassification Enforcement
On May 1, 2025, the U.S. Department of Labor (DOL) issued Field Assistance Bulletin (FAB) 2025-1 on how to determine employee or independent...
Prevent Falls in Construction Toolkit
Bitner Henry Insurance Group provides this free guide to preventing falls in construction. This guide covers: How to discuss safety with employees A...