Central Insurance

Category: Commercial


Coinsurance 101: Sharing the Risk

You’ve heard of coworkers, cosigning, and cofounders.  But have you ever heard of coinsurance? The coinsurance clause is a provision which requires you to carry enough insurance on your property so the coverage amount is equal to a certain percentage of the property’s…

Read More

Could Your Business Survive A Shutdown?

A few years ago, the Nike retail store in New York City was closed by the public health department due to a bedbug infestation in the store.  No doubt their reputation took a hit, but what about their bottom line?…

Read More

‘Tis the Season for Part-Time Help!

Every year as people begin to talk about what they are making for Thanksgiving and which family member will top their crazy list, I get excited.  Now, admittedly, I love to see and spend time with my family, but the…

Read More

Don’t Let Lead Ruin Your Renovation: Follow The Rule!

We’ve all heard of the dangers of lead-based paint.  If you are a general or renovation contractor, painter, plumber, carpenter, or electrician, this is an issue you have likely dealt with when working on structures built before 1978.  Renovation activies…

Read More

The Costly Consequences of Cybercrime

While sitting in my doctor’s office, I started thinking, “What if?” What if the doctor’s computer network were hacked tonight? Does he have knowledgeable I.T. staff protecting the sensitive personal information in all those patient files, including mine? I could end…

Read More

Winter Weather Brings Workplace Worries

Fall has arrived! The kids have returned to school. The days are getting shorter and football has returned (Go Bucks!). However, it won’t be long before the snow, ice, and cold temperatures return and bring with them an entire set…

Read More

Ouch! Now What?

You’re at work moving storage boxes when suddenly, you feel a sharp pain in your back.  At first, you take a few deep breathes thinking you have just pulled a muscle and if you give yourself a moment, you’ll be…

Read More

Understanding and Preparing for a Premium Audit

You just received a phone call from someone who says they represent your insurance carrier and would like to set up an appointment to audit your business operations.  You’ve paid all of your premiums on time so what could they…

Read More

Raising the Bar: Best Practices for Bar Risk Management

It happens more than you’d like to think.  A person drinking in a bar leaves and causes an accident, injuring or killing another person.  The victim’s family then files a lawsuit against the bar.  Owning a bar can be fun and financially…

Read More

No Matter the Size Fleet Safety Comes First!

When most people think of fleet safety they probably tend to think of a “fleet” as a large number of vehicles (50+ vehicles).  After all, a small contractor with 4-5 pickup trucks may not think of the trucks as a…

Read More