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

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

Lithium-ion batteries are the power source for most portable devices and electric vehicles. The technology allows for a powerful power...

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

A manufacturing risk with high piled rack storage had a fire pump to support their sprinkler system. The fire pump was tested and the...

This is part of your sprinkler system that is of great importance to insurance representatives and fire and building code enforcement...

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

The ongoing wildfires in southern California have highlighted this hazard and the tragic results brought international attention. The...

The roof of your home protects your possessions from wind, rain, snow, ice, hail, and fire. Roofing constitutes about 7% of the total...

Key elements of an effective dry pipe sprinkler system maintenance program

The insurance industry has a long history of being reluctant to pay for claims related to water damage. Claims of water damage can be...

Fire sprinkler systems need your attention to prevent a freeze event that can either impair protection or cause water damage. As winter...

Chimneys and vent pipes are an important part of the safety system for your home or business. These devices remove the products of...

Sprinkler systems and standpipe systems often have a fire pump as part of the water supply for the systems. If you have a fire pump as...

Lithium-ion batteries have become the standard power source for most portable devices. The technology allows for a powerful power source...

Fire extinguishers are present in all commercial occupancies and in most homes. Commercial vehicles are also equipped with portable fire...

The recent announcements by State Farm and Allstate that they have temporarily suspended writing new property insurance risks in...

Business personal property valuation requires proper data and analysis.

Recent flood events in Eastern Kentucky and the West Coast have returned flood headlines to the front pages of every media outlet. These...

Despite the widespread use of hoods over commercial cooking systems, the cleaning or lack thereof continues to be the subject of risk...