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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,…
Read MoreEquipment 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…
Read MoreProtecting 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…
Read MoreThe Importance of Equipment Breakdown Coverage
One insurance coverage that is extremely important to property owners – and is sometimes overlooked – is Equipment Breakdown Coverage. Equipment Breakdown insurance has been available for commercial property owners for quite a while, but it is now commonly available…
Read MoreWhy You Need Equipment Breakdown Coverage
Many homes today incorporate advanced technology electronics and other equipment that is not covered by your standard homeowner insurance policy, yet a loss to one of these items can become a significant expense. Is there anything you can do to…
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