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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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Medical Payments – The Forgotten Homeowner Insurance Coverage

There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…

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De-cluttering and Taking Inventory

With Groundhog Day coming up this Sunday, what do you think Punxsutawney Phil will see when he emerges from his burrow? I’m hoping it’s cloudy and he doesn’t see his shadow, so SPRING can arrive early this year! Spring is…

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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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Governmental Issues and Homeowner Insurance Policies

I am just finishing up a week-long vacation in Florida with my wife and several other couples, and as it happens every time I’m out during an extended period with others, the topic of insurance eventually came up. “What happens…

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Vacant Property Doesn’t Mean Vacant Worries

So my commercial building has become vacant…what’s the big deal? When a building is vacant, a small problem can quickly become a big problem. For example, a property in my neighborhood became vacant last fall. The bank that owned the…

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It May Have Been Covered but HOW Was It Covered?

If you’ve watched any college football over the past several years, you’ve probably seen multiple commercials from a certain insurance company that likes to show an imaginary college professor walking an individual through a building containing exhibits that represent different…

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Are You Taking Full Advantage of Your Premium Discounts?

As I’ve mentioned before, it’s hard to watch any sort of television program without seeing an insurance advertisement at some point. I also have already expressed my views on the commercials that attempt to be cute, so we won’t go there.

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