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Every Business Needs Office Insurance: Here’s Why

office insurance

While there’s typically no such thing as one-size-fits-all when it comes to insurance, commercial insurance is designed to offer protection to a wide range of businesses and industries from broad coverage to niche needs. The functions of these companies can…

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Why Do I Need a Builder’s Risk Policy?

builders risk

Whether you’re undertaking new construction, a remodel, or a renovation, a Builder’s Risk policy is an important consideration for residential and commercial properties.  What is a Builder’s Risk Policy? Designed to cover a property throughout the course of construction, a…

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Employee Drivers & How to Protect Your Business Auto Insurance Rates

business auto insurance

When determining which of your employees should have access to a company vehicle, it’s important to consider the effect these individuals could have on your business auto insurance policies.  At-fault accidents are the most common cause of premium increases on…

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Equipment Breakdown Coverage: What It Is & Why You Need It

equipment breakdown coverage

Homeowners insurance is one of the most common types of coverage offered. It is designed to cover the cost of repairing or rebuilding your home after an accident and can provide replacement costs for personal belongings when broken or destroyed. …

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How to Grow Customer Trust and Comply with Data Privacy Laws

Data privacy will be a top trend for businesses in 2021. Today, virtually every nation has enacted laws that impact data privacy—or they are actively considering them. Failure to protect customer and employee information can have costly consequences. Business leaders…

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Insurance Considerations for Contractors

Contractors have enough items to juggle without adding insurance into the mix; however, insurance-related issues are often unavoidable and, in some cases, misunderstood. Sure, it’s easy enough to determine how much coverage is needed for tools and equipment and it’s…

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The Benefits of Telematics for Company Vehicles

When I’m completing a risk management review for one of our commercial partners, the most common area of losses we discuss are fleet claims. Whether your company has one vehicle or 100, having drivers out on the roadway poses a…

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Finding Solutions to Fleet Safety Management Questions

Fleet Management is a stressful task in all types of companies and operations…from the fleet that is a major part of a company’s operations such as large trucks, to a small company that has one to five vehicles. According to…

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Excess Policy or Umbrella Policy? What’s the difference and which is better?

One of the questions a commercial lines underwriter hears most is, “Is your umbrella follow-form?” Basically, will it only increase the limits of my current coverage (follow-form), or will it also offer some additional coverage (umbrella)? Of course, the answer…

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Business Insurance 101: Where Do New Business Owners Start?

If you’re the proud owner of a new business – or even just kicking around the idea of hanging your own shingle – you’ve probably realized that there is a lengthy list of items and issues to address. From startup…

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