If you operate a seasonal business or a business with significantly higher inventories at set times of the year, a peak season endorsement is an important consideration. Your personal property limit, including inventory, will remain constant throughout…
In the midst of the hustle and bustle of the new year, it can be easy to overlook important changes that may have occurred with your business that need to be accounted for on your insurance policy. Prioritizing your annual policy renewal is a great opp…
“Burn, baby, burn” may have packed the dance floor during the days of disco, but those words are anything but a good time when it comes to your home and property. Since 1922, the National Fire Protection Agency has sponsored…
Commercial insurance is far from one-size-fits-all, but there are exposures that nearly every business has in common. Whether you’re an accounting firm or a web engineering company, have a “solopreneur” space, or a multi-story building filled with hund…
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…
When I’m completing a risk management review for one of our commercial partners, the most common area of losses we discuss are fleet claims. Whether your company has one vehicle or 100, having drivers out on the roadway poses a…
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)? …
If you’re the proud owner of a new business – or even just kicking around the idea of hanging your own shingle – you’ve probably realized that there is a lengthy list of items and issues to address. From startup…
Loss Control for insurance is defined as risk management procedures designed to reduce the chances of claims against insurance policies. It mainly involves recognizing potential risks within the workplace and is attended to by voluntary or required act…
A few years ago, my dad started his own archery business out of his and my mom’s garage. He LOVES hunting and has a passion for helping others improve their hunting experiences, whether it’s buying a new bow, fixing a…