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Managing Inventory with the Peak Season Endorsement

During the course of a year, businesses in various industries may see their inventories rise or a firm may see greater demand for their products at certain times of the year. For example, many people take vacations during the summer;…

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Protecting Your Produce: The Benefits of Spoilage Coverage

According to Statista, total retail and food services sales in the United States totaled 5.32 trillion dollars in 2015.[i]  This includes perishable foods, which is food that “will spoil the most quickly and require refrigeration.”[ii] A recent article from fooddive.com notes…

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Enterprise Risk Management: An Alternative Approach to Managing Risk

One of the core concepts of insurance is risk management. The Institutes define risk management as “the process of making and implementing decisions that will minimize the adverse effects of accidental losses on an organization.”[i] Insurance professionals regularly use risk…

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There’s No Place Like The Insurance Industry

Last year at this time I wrote a blog about stumbling into the insurance industry and ended up actually fitting into it. I stated that I wouldn’t trade it for anything since every day is different and brings a new…

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Does Your Commercial Renewal Policy Need a Renewal Checkup?

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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Price is Not the Only Piece of the Commercial Insurance Puzzle

As a business owner, what do you look for in an insurance company? The first answer for many small business owners will be the cheapest price.   In these dicey economic times, that line of reasoning is understandable.  However, there are…

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Control Your Losses to Cut Your Premiums

As a business owner, you buy insurance every year to provide protection from financial loss.  However, the commercial policy shouldn’t be viewed as a maintenance policy.  The most important function of the policy is to provide protection from severe or…

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