Commercial insurance is not one-size-fits-all, but there are features that even very different businesses have in common. Offices are an exposure that nearly every business has, from accounting firms to web engineers, and from one-person offices to a ten-story office building filled with hundreds of professional employees.
Subrogation is a common term in the insurance industry but not a common one outside of it. So what is subrogation?
Our office had a couple of interesting conversations regarding digging up yards recently. In one instance, the husband of one of our account managers started to dig up someone’s yard to help them replace sewer lines. To his surprise, when his backhoe started to dig, not only did he bring up a bunch of soil… Read more…
Spring is here and summer is coming. As a suburban dad, this means I only have two things on my mind: lawn maintenance and barbeque. Nothing ruins a good cookout faster than a trip to the emergency room or a visit from the local fire department. So, before cooking for your family and/or friends, spend a bit of time evaluating your safety.
One of the toughest parts of commercial insurance is identifying all of the exposures a business might have. I met with a new client yesterday, Darth Vader, who is the Operations Manager for a business called The Empire. It sounds like they have several operations, including security, as well as logistics, and project management. I collected some information and am trying to put together a submission for my underwriter.
High school and college-age workers are an important part of the employment pool; they take your order at fast-food restaurants, bag your groceries, keep your community lawns looking nice, and lots of other things. They are a growing part of our workforce, as Baby Boomers continue to reach retirement age and new waves of workers are entering our economy.
Distracted driving is something that some of us forget to think twice about. Consider your daily commute or your weekly trip to the grocery store. These are routes you have taken so often and are comfortable with. You probably change the station on the radio or take a drink of your coffee. In the split second, you are performing these tasks, you are taking your eyes off the road and hands off of the wheel, creating the potential for an accident.