Archives
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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Category: Auto, Business, Claims, Commercial, Liability, Loss Control, Risk Management, Technology
Tags: accident investigation, business, car camera, commercial, commercial insurance, company drivers, company vehicles, fleet claims, fleet management, fleet performance, fleet safety program, fleet tracking, liability, risk management, telematics
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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Category: Auto, Business, Central, Commercial, Loss Control, Risk Management
Tags: Azuga, claims, commercial, commercial auto policy, company car, company drivers, company vehicles, fleet, fleet management, fleet safety program, fleet tracking, Safety cam, telematics
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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Category: Accident, Auto, Business, Commercial, Liability
Tags: business owner, commercial, commercial auto policy, commercial insurance, commercial umbrella policy, commercial underwriting, excess policy, self-insured retention
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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Category: Business, Claims, Commercial, Financial, Liability, Risk Management
Tags: assets, business, business auto policy, Business Income - Loss of Use of Designated Auto Coverage, business income coverage, business income loss, business insurance, business inventory, business owner, commercial, commercial building, Commercial general liability, commercial insurance, commercial liability insurance, commercial policy, commercial property, commercial umbrella policy, equipment breakdown coverage, errors and omissions, independent agent, inland marine, inland marine insurance, loss prevention, professional liability, risk transfer
Loss Control for insurance is defined as risk management procedures designed to reduce the chances of claims against insurance policies. It mainly involves recognizing potential risks within the workplace and is attended to by voluntary or required actions a policyholder…
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Category: Business, Central, Commercial, Loss Control, Service
Tags: commercial, commercial insurance, commercial policy, fleet safety program, loss control, loss control consultant, loss control inspection, loss control representative, loss control services, loss control survey, potential risks, relationships, risk management, safety, safety program, workplace safety
The last four months have been some of the most taxing and pressurized months I have seen in my 35 years calling on business owners. It’s hard enough to start a business and keep it up and running, but add…
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Category: Business, Commercial, Employees, Prevention
Tags: business, business interruption, business owner, business shutdown, CDC, Center for Disease Control and Prevention, commercial, coronavirus, COVID-19, owning a business, small business
A few years ago, my dad started his own archery business out of his and my mom’s garage. He LOVES hunting and has a passion for helping others improve their hunting experiences, whether it’s buying a new bow, fixing a…
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Category: Business, Claims, Commercial, Financial, Home, Household Inventory, Independent Agents, Liability, Personal, Trusted Choice
Tags: commercial, commercial insurance, commercial policy, home business, home business policy, home insurance, home office, home-based business, homeowners insurance, homeowners policy, independent agent, liability, liability claims, merchandise, slip and fall, slip and fall accidents, small business, Trusted Choice
These unprecedented times have left many of us with only one way to shop: online. Many online businesses have benefited from consumers “sheltering in place” with an influx of buyers shopping via apps and the internet. I am sure that I…
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Category: Business, Commercial, Liability, Prevention, Risk Management, Technology
Tags: applications, commercial, credit card, credit cards, cyber, cyber insurance, cyber security, cybersecurity, fraud, hackers, Internet, internet safety, liability coverage, liability insurance, online, online payment, online safety, online shopping, protect online privacy, retail
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…
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Category: Business, Central, Commercial, Liability, Risk Management
Tags: building, building contents, building coverage, business income coverage, commercial, commercial building, Commercial general liability, commercial insurance, commercial policies, commercial property, exposure, exposures, general liability, liability, office, office building, offices, property
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…
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Category: Business, Commercial, Employees, Liability, Risk Management, Technology
Tags: Builders Risk, business, catastrophic event, cause of loss, cloud storage, commercial, commercial building, commercial insurance, construction, coverage, cyber, cyber security, data, deductible, employee, employees, exposure, exposures, inland marine, liability insurance, risk, risk assessment, safety, underwriter, workers' compensation, workplace, workplace safety
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