We Have a Great Opportunity. With the holidays quickly closing in I have a hard deadline to meet. My client needed his insurance program put together and bound by Thanksgiving. After that he was too busy to discuss insurance. Named Insured was Santa Claus. I still need to determine the type of entity we need to insure. Is this an LLC, C Corp, or a partnership? If other entities are involved, we need all the details for the correct named insureds. Property coverage is for a w

Most businesses have cyber security protection for their laptops and desktop computers. There are two points of entry into your network that may not get the attention they deserve. Copiers and Printers A common office machine that can print, scan copy and fax is extremely useful. This machine can be shared by multiple users, including remote users. It can stage multiple print jobs and have a print queue when it is busy. The connection to a network and internal data storage ma

Your insurance company may request that Verisk, formerly ISO, come out to your property and conduct a survey to establish the base loss costs for your property. While many carriers say they do not use the Verisk loss costs, they do use the data collected during this process. Inaccurate data can lead to incorrect construction classifications and no sprinkler credits given. This information will persist until another insurance company orders and pays for a new survey. Your prop

Deductibles have evolved into a tool for exposure and risk management for policyholders and insurance companies.

The electronic picture frame was a Christmas present. It was made in China. Is this safe to plug in and leave powered up 24/7?  That...

It has been said that unless you understand history, you will repeat it. That proves true with loss experience. Lack of understanding and...

Social media and the news feeds are full of stories with insurance companies cancelling policies. This headline makes for a strong click...

Water Temperature The first control point is the proper setting of the temperature for your water heater. If your water heater is used...

Subrogation is the process where an insurance carrier stands in the place of the insured and pursues a claim against a third party to...

Why you need an insurance agent...

Commercial general liability and commercial auto policies typically have an occurrence limit of $1 million. If you find that you need...

General liability insurance protects you from claims that result from property damage or bodily injury. If the cause of the claim is a...

We all engage in either providing services to others or engaging others to provide services to us. These events routinely involve a...

If you have products or services in the stream of commerce, you have a product liability exposure. If there is an event that causes...

Americans consumed $6.07 billion in alcoholic beverages in May of 2021 (statista.com). This compares to $4.35 billion in May of 2019. ...

Emergency action plans are required in OSHA regulations. The OSHA regulations show their age by focusing on traditional fire drills and...

How to manage your exposure to the most common liability claim

Additional insured status runs in one of two directions: asking for additional insured status from someone or providing additional...

Our prior review of the Life Safety Code and Emergency Lighting highlighted the structure of the code and the provisions in place to...

Certificates of Insurance – a Quick Review The most common request we get for policyholder service is providing a certificate of...