Commercial insurance is not one-size-fits-all, but there are features that even very different businesses have in common. Offices are an exposure that nearly every business has, from accounting firms to web engineers, and from one-person offices to a t…
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…
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 me…
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…
I’m pretty sure not too many people have asked themselves that question, but I have because I’ve been in the insurance industry for (obviously) too long. But, not only that, but what kind of insurance would Santa need, and for…
If you own a business, you may have had your property inspected by a loss control representative from your insurance carrier. If so, they probably asked you, “Do you have a roof inspection program in place? How often do you…
As a long-time homebrew hobbyist and a self-proclaimed craft beer aficionado, I have a deep appreciation for the passion and hard work that goes into creating great spirits. If you’ve managed to turn your passion into your business and joined…
The risk of damage to your property, due to fire or another covered cause of loss, is always a major concern. In many cases, you may want to resume use of your damaged property for any number of reasons; proximity…