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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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The Benefits of Your Loss Control Consultant

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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Protect Your Home-Based Business by Knowing the Coverage Options

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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Insuring Your Office

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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May the Coverage Be With You!

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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Light Industrial – Heavy on Protection

  Light industrial is a term you often hear when discussing commercial insurance, but what does it mean? Typically, light industrial refers to operations such as machine shops, sheet metal work (shop only, no installation), and manufacturing of metal goods,…

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Equipment Breakdown Coverage Explained

Boiler & Machinery is an antiquated term once used to describe a separate policy that offered coverage for causes of loss such as mechanical breakdown, electrical surges, explosion of steam boilers, steam pipes, etc. This separate policy was needed because…

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The New Year is a Good Time for Your Commercial Policy Check-Up

As a small business owner, you have a lot on your plate. Obviously, making a profit and keeping your business growing are of paramount concern.  In addition, there’s making payroll, staying competitive, staying on top of new healthcare and tax laws,…

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What if Santa Claus needed to buy insurance?

I’m pretty sure not too many people have asked themselves that question, but I have because I’ve been in the insurance industry for (obviously) too long. But, not only that, but what kind of insurance would Santa need, and for…

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Fraud Awareness Week: Small Business

This week is International Fraud Awareness Week! And, Small Business Saturday is coming up next week! Why not talk about fraud in small business? Genius.

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