Board of Directors Membership and Personal Liability: Am I At Risk?

Are board members vulnerable to personal liability? Members of boards of directors, even of nonprofits, often make important strategic and financial decisions for the organizations they manage. These decisions could result in a liability, with a single, unfortunate incident jeopardizing an individual’s livelihood or even career. With such a high potential risk for personal liability, it’s important that board members protect their personal assets and careers if charges are ever brought … [Read more...]

Common Risks Small Businesses Face as They Grow

Keep these risks in mind as your business grows. Most small businesses expect to grow as their product or service takes off. With that growth, however, come risks. Growth can happen in more than one way, whether the business buys new equipment, hires an employee, or offers a new service. Take a look at the common risks the business owners face as they grow in different ways. Hiring employees You know that your team runs your business. They are responsible for daily operations and bringing … [Read more...]

Employee Lawsuits: When They Can Sue and How to Protect Your Business

Ways to protect your business against employee lawsuits. Running a business can be fun, challenging, and profitable. However, as a business owner, getting sued is never fun. A lawsuit can be time-consuming, costly, and damaging to your business’s reputation. For most small businesses, a lawsuit is incredibly dangerous to the livelihood of the company. Here’s what you should know about employee lawsuits. When can an employee sue? The most common employment claims are wrongful termination, … [Read more...]

Does Commercial Insurance Cover Floods?

Protect your business from flooding with insurance.   As a business owner in California, you may not think about the possibility of filing a flood insurance claim. After all, the weather is pleasant year-round – mostly, anyway. Even so, it’s important for business owners to consider floods and be adequately prepared for them. After all, all it takes is one storm or one water source to overflow for your business to get flooded. Many business owners are under the impression that their standard … [Read more...]

What is an “Additional Insured”?

What businesses should know about an additional insured. These days, every business large and small has insurance. Yours should be no exception. If you’ve come across the term ‘additional insured’ and are confused about what exactly it means for your business, you’ve come to the right place. Within an insurance policy, an additional insured refers to anyone other than the policyholder who is covered by the insurance policy. Depending on the policy, coverage might be limited to a single … [Read more...]

Emergency Planning for Small Businesses

How to prepare your business for a disaster.   Small businesses, naturally, are more vulnerable than large businesses in the event of a disaster or unforeseen emergency. This is not necessarily because more accidents occur in the small business workplace, but because the business is often caught off guard and has not invested in planning for disasters. Planning for the unexpected is a smart business strategy. Here’s how to get started. Identify a planning team. Create a committee of … [Read more...]

What to do When an Employee is Injured at Work

Here's how to address an employee injury.   Employees have responsibilities when one of their staff members is injured in an accident at work. Regardless of the accident specifics or severity of injury, all employers should understand what to do if the worst happens and a staff member has an accident in the workplace. Here are some key steps to handle the situation. Seek medical assistance. Getting immediate medical help is always the first and most important step to ensuring your employee’s … [Read more...]

Lou Aggetta Insurance, Inc.

2637 Pleasant Hill Rd
Pleasant Hill, CA 94523

(925) 945-6161 | Phone
(925) 256-7610 | Fax