Skip to main content
Category

business owner

Excess Policy or Umbrella Policy? What’s the difference and which is better?

By Accident, Auto, Business, business owner, Commercial, commercial auto policy, commercial insurance, commercial umbrella policy, commercial underwriting, excess policy, Insurance, Liability, self-insured retention

One of the questions a commercial lines underwriter hears most is, “Is your umbrella follow-form?” Basically, will it only increase the limits of my current coverage (follow-form), or will it also offer some additional coverage (umbrella)? …

Read More

Reopening Your Business During COVID-19

By Business, business interruption, business owner, business shutdown, CDC, Center for Disease Control and Prevention, Commercial, coronavirus, COVID-19, Employees, Insurance, owning a business, Prevention, small business

The last four months have been some of the most taxing and pressurized months I have seen in my 35 years calling on business owners. It’s hard enough to start a business and keep it up and running, but add…

Read More

Cracking the Code on Commercial Umbrellas

By blanket additional insured, Business, business owner, Claims, Commercial, Commercial general liability, commercial umbrella policy, general liability, independent agent, Insurance, Liability, liability coverage, owning a business, professional liability, protection, Umbrella, umbrella policy

Many people in the insurance industry will agree that umbrellas are one of the most misunderstood lines of insurance coverage in existence. Of course, it’s easy to understand why when you look up the definition of “umbrella” and get explanations…

Read More

Protect Your Online Retail Business

By Business, business owner, Commercial, commercial cyber, computer, computer attack, cyber crime, cyber extortion, cyber insurance, cyber insurance coverage, cyber risk, cyber security, cybersecurity, data breach, fraud, hackers, home-based business, Identity recovery, identity theft, Insurance, Internet, Liability, liability coverage, online, online presence, online shopping, Prevention, retail, retailer, Technology, website

In my blog post, Protect Yourself While Shopping Online, I shared how to protect yourself as a consumer. Now, let’s talk about protecting your customers and yourself as a business owner. If you have any kind of online store where…

Read More

Now Might Be the Perfect Time for an Account Review

By Adequate coverage, adequate protection, agent, annual insurance review, Auto, Business, business owner, Claims, Commercial, Home, Household Inventory, independent agent, independent insurance agent, Insurance, insurance program, insurance review, Liability, liability exposures, owning a business, Personal, personal assets, Prevention, protection, Umbrella, umbrella policy

If you’re like many of the people I’ve spoken with over the past couple of weeks, your life is beginning to return back to a revised sense normalcy, which is a good thing considering you’re probably starting to run short…

Read More

Digital Hygiene Tips for Coronavirus Scams

By anti-malware, anti-virus, antivirus, back up data, Business, business owner, Commercial, coronavirus, COVID-19, Cyber, cyber attack, cyber crime, cyber criminals, cyber hygiene, cyber security, cybercrime, CyberScout, cybersecurity, Employees, Insurance, Prevention, security, Technology, vpn

Coronavirus scams are everywhere. During the evolving public health crisis surrounding COVID-19 (coronavirus), it is essential to remain vigilant in the days and weeks to come, online as well as out in the world. It is likely you are tracking several…

Read More

The New Year is a Good Time for Your Commercial Policy Check-Up

By annual insurance review, Business, Business Insurance, business owner, Commercial, commercial insurance, commercial property, exposure, exposure changes, Financial, independent agent, Independent Agents, independent insurance agent, Insurance, New Year, new year's resolution, protection, renewal, small business

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,……

Read More