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Commercial

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…

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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…

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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…

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Protect Yourself While Shopping Online

By applications, Business, Commercial, credit card, credit cards, Cyber, cyber insurance, cyber security, cybersecurity, fraud, hackers, Insurance, Internet, internet safety, Liability, liability coverage, liability insurance, online, online payment, online safety, online shopping, Prevention, protect online privacy, retail, Risk Management, Technology

These unprecedented times have left many of us with only one way to shop: online. Many online businesses have benefited from consumers “sheltering in place” with an influx of buyers shopping via apps and the internet. I am sure that I…

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Quarantine Fatigue Is Real And It Could Kill Your Company

By Business, Central, cloud based services, cloud storage, Commercial, computer, Cyber, cyber attack, cyber crime, cyber security, CyberScout, cybersecurity, data backup, Employees, fatigue, firmware, Home, Insurance, malware, multi-factor authentication, pandemic, Personal, phishing, Prevention, quarantine, quarantine fatigue, scam, scammers, scams, software, Technology, work from home, working from home

Quarantine fatigue is not only sending people to crowded bars. We’re all getting tired of it—call it quaran-tigue—and that could spell trouble on the cybersecurity front. Multiple studies and articles of late have noted a trend that could have serious….

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Coronavirus Could Complicate Hurricane Season 2020

By Business, Claims, claims adjuster, claims process, claims service, Commercial, coronavirus, COVID-19, disaster, disaster plan, disaster preparedness, emergency kit, emergency response plan, emergency supplies, FEMA, Financial, flood, flood insurance, flood zone, flooding, Home, hurricane, hurricane season, Insurance, natural disaster, personal pretective equipment, Risk Management, social distancing, storm damage, storms, Weather

Hurricane season is here.  Meteorologists are at work and love to make predictions about how many hurricanes will make landfall and their potential severity.  People in high-risk areas will be directly affected, of course, but everyone still needs to p…

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Insuring Your Office

By building, building contents, building coverage, Business, business income coverage, Central, Commercial, commercial building, Commercial general liability, commercial insurance, commercial policies, commercial property, exposure, exposures, general liability, Insurance, Liability, office, office building, offices, property, Risk Management

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…

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What is Subrogation?

By analytics, artificial intelligence, Business, Claims, Commercial, coverage, damages, Home, Household Inventory, Insurance, Liability, Personal, premiums, Prevention, products liability, Saving Money, Service, subrogate, subrogation, third-party

Subrogation is a common term in the insurance industry but not a common one outside of it. So what is subrogation? Subrogation is a legal right the insurance company holds to pursue a third-party responsible for the damages caused to…

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