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
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, Employees, Liability, Risk Management, Technology
Tags: Builders Risk, business, catastrophic event, cause of loss, cloud storage, commercial, commercial building, commercial insurance, construction, coverage, cyber, cyber security, data, deductible, employee, employees, exposure, exposures, inland marine, liability insurance, risk, risk assessment, safety, underwriter, workers' compensation, workplace, workplace safety
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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Category: Business, Commercial, Employees, Liability, Loss Control
Tags: blanket additional insured, business income coverage, commercial, commercial building, commercial insurance, commercial property, coverage, coverage gap, electrical safety, electronics, equipment, equipment breakdown, equipment breakdown coverage, exposure, food handling, food service industry, liability coverage, light industrial, loss control, loss control inspection, machines, manufacturer, product liability exposure, protection, safety, workplace, workplace safety
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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Category: Business, Commercial, Financial, Independent Agents
Tags: annual insurance review, business insurance, business owner, commercial, commercial insurance, commercial property, exposure, exposure changes, independent agent, independent insurance agent, New Year, new year's resolution, protection, renewal, small business
FALL! My most favorite time of the year…Friday night lights, college football, local festivals, and of course, hunting season! There’s that magical feeling floating in the air this time of year, whether it’s the itch to get out into the…
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Category: Home, Household Inventory, Liability, Personal, Prevention, Umbrella
Tags: accidents, ATV, deer, deer hunting, exposure, homeowners insurance, homeowners policy, hunting, hunting season, liability coverage, liability limits, Personal Umbrella, personal umbrella policy
Commercial property premiums can vary widely from class to class. Additionally, some carriers will not insure certain classes due to the inherent dangerous exposures associated with their operations.
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Category: Business, Central, Commercial, Saving Money
Tags: combustibility, commercial property premiums, commercial underwriting, construction, COPE, exposure, joisted masonry, masonry non combustible, modified fire resistive, non combustible, occupancy, protection, Public fire protection rating, susceptibility
Over the weekend, I was watching a drama on television where the plot centered on a law firm and its various office relationships intertwined with some courtroom action. Although I do like this show, it struck me that the plot…
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Category: Central, Claims, Employees, Liability, Prevention, Risk Management
Tags: co-worker, employee, employee claims, employee harassment, exposure, harassment, offensive
Central Insurance
