Month: March 2026

Does a Home-Based Business Need General Liability Insurance?

Posted on by agentinsure

Liability insurance covers any instance where you could be blamed for someone’s misfortune. Homeowner’s insurance includes liability coverage in case someone has an accident on your property. Businesses carry various liability policies to protect themselves from lawsuits related to false advertising, defective problems, employee errors/omissions, data breaches, and more. 

If you run a business from your Littleton, CO, home, you’ll want at least some commercial liability insurance to protect you from lawsuits related to the type of work you do. General liability insurance is a good start, as it covers property damage and bodily injury claims. It also covers legal costs arising from lawsuits related to these claims.

How General Liability Insurance Works

General liability insurance covers customers, business partners, and others who come to your home for business purposes. If someone who falls under this category has an accident in your home, your insurance policy should cover medical bills and lost wages. If someone claims property damage occurred at your home (for example, your dog bit into a customer’s expensive purse and destroyed it), your insurance policy will pick up the tab.

However, bear in mind that general liability doesn’t cover all potential liability issues your home-based business could face. It’s a good idea to look into other liability insurance policies to make sure you have enough insurance to fully protect your business if problems arise.

Contact Front Range Insurance Services for More Information

Choosing insurance for a home-based business in Littleton, CO, can be challenging. But the good news is that you don’t have to figure it all out on your own. Our team at Front Range Insurance Services is always happy to offer advice and help. Call us to find out more about our policy options and price quotes and to get personalized assistance.

How Digital Cleanup Day & World Backup Day Help Prevent Cyber Liability Claims

Posted on by Jessica Ceriani

Digital Cleanup Day, happening every year on the third Saturday of March (March 21 in 2026), is basically a reminder to clean out all the old files, unused apps, and outdated devices we all hang onto for way too long. Cutting down on “dark data” and retiring older tech means there’s less information for hackers to go after, which helps reduce the fallout if something does go wrong. [digitalcle…nupday.org]

Then we’ve got World Backup Day on March 31, which is your nudge to actually back up your stuff (because most people still don’t!). With 21% of people never backing up and 1,113 phones lost or stolen every minute, backups make a huge difference in how quickly you can recover from an attack or hardware failure, and can even prevent a ransomware situation from turning into a full‑blown disaster. [worldbackupday.com]

And if something does happen? That’s where cyber liability insurance comes in. Think of it as your financial and technical safety net: it can cover things like forensic investigations, legal help, customer notifications, data recovery, and business interruption. So while these March events help lower your chances of having a breach in the first place, cyber liability insurance helps make sure you’re not handling the aftermath alone.