Central Insurance

Category: Commercial


Resolve to Review Your Insurance Each New Year!

As a small business owner, an annual review of your insurance exposures with your agent is critical. Exposures can change quickly in your business and it’s easy to forget that your insurance needs to adapt to these changes. Let’s look at…

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Control Your Losses to Cut Your Premiums

As a business owner, you buy insurance every year to provide protection from financial loss.  However, the commercial policy shouldn’t be viewed as a maintenance policy.  The most important function of the policy is to provide protection from severe or…

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Working on Wheels: Protecting Your Mobile Business

Last month, I highlighted mobile food truck operations and the concerns operators should have when selecting insurance.  I received a lot of feedback and discussion regarding other mobile businesses.  Many small business owners are making the decision to hit the…

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Managing Your Product Liability Exposure

If you are a manufacturer, retailer, or wholesaler, managing your product liability exposure is a critical part of your overall risk management plan.  Let’s take a look at some of the questions a liability underwriter will ask when deciding whether or not…

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Finding the Right Food Truck Insurance

There’s no doubt about it, food trucks are the craze. I remember when I was 16 and working a summer roofing job. During lunch, I would climb off the roof and make my way over to the food truck for…

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COPEing with Commercial Property Premiums

Commercial property premiums can vary widely from class to class.  Additionally, some carriers will not insure certain classes due to the inherent dangerous exposures associated with their operations.

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Bridging the Gap: Company Car Coverage and Personal Use

Many employees drive company cars for their work-related duties. But what if the company car were your only car? Even as an employee of the company, it’s likely you are not listed on the company’s business auto policy.

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ACV vs. Replacement Cost: Which Coverage is Right For You?

Business owners have a multitude of responsibilities and concerns with running their own business. One of the most important decisions you will make as a business owner is how to adequately insure your property. Here’s a video link to “ACV vs. Replacement Cost:…

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Will A Power Loss Mean the Loss of Your Business?

Superstorm Sandy was a catastrophe of gargantuan proportions. At its peak, it was about 1,000 miles in diameter. The financial losses from the storm are estimated to exceed $60 billion. In its aftermath, there were almost 8 million people without power,…

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Employment Practices Liability Insurance and the Small Business Owner

Employment Practices Liability Insurance.  If you own a business, you have likely heard of this coverage, or maybe you know it as EPLI. But what is it and why does your business need it? Over half of all Employment Practices…

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