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…
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…
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…
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…
Most of us have seen the meme going around that refers to a couple of life lessons that have reversed course over the past couple of decades: don’t get in the car with strangers and don’t meet people from the…
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…
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…
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…
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…
High school and college-age workers are an important part of the employment pool; they take your order at fast-food restaurants, bag your groceries, keep your community lawns looking nice, and lots of other things. They are a growing part of…