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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Category: Business, Central, Commercial, Liability
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
Considering starting a brewery? Here’s what type of insurance coverage you’ll need.
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Category: Business, Commercial, Liability, Loss Control, Prevention, Risk Management, Service
Tags: alcohol, alcohol awareness, alcohol awareness training course, alcohol training, bar owners, bartenders, business, business insurance, business owner, commercial building, Commercial general liability, commercial insurance, commercial property, customers, employee, employees, employment, fall prevention, hazard, liquor liability, protecting business property, safety, Safety Tips, small business, taprooms, tastings
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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Category: Business, Commercial, Personal
Tags: commercial, commercial building, commercial insurance, commercial property, coverage, electrical circuits, electrical hazards, equipment, equipment breakdown, equipment breakdown coverage, insurance carrier, loss prevention, mechanical breakdown, preventive measures, property coverage, property policy
Commercial insurance is far from one-size-fits-all, but there are exposures that nearly every business has in common. Whether you’re an accounting firm or a web engineering company, have a “solopreneur” space, or a multi-story building filled with hundreds of employees,…
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In the midst of the hustle and bustle of the new year, it can be easy to overlook important changes that may have occurred with your business that need to be accounted for on your insurance policy. Prioritizing your annual policy renewal is a great opportunity to consult with your independent agent and review any changes to your business to ensure you are properly protected for the year ahead.
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“Burn, baby, burn” may have packed the dance floor during the days of disco, but those words are anything but a good time when it comes to your home and property. Since 1922, the National Fire Protection Agency has sponsored…
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Category: Business, Commercial, Home, Personal, Prevention
Tags: commercial insurance, cooking fires, Fire escape plan, Fire Prevention Week, fire safety, heating fires, home fire, National Fire Protection Association, personal insurance, smoke alarm
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, Cyber, Liability, Risk Management, Technology
Tags: Builders Risk, Business coverage, commercial cyber, commercial insurance, company vehicles, Employment Practices Liability Insurance, exposures, inland marine policy, Lessor's Risk, liability, loss control, underwriter, workers' compensation
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
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