Understanding and Preparing for a Premium Audit
You just received a phone call from someone who says they represent your insurance carrier and would like to set up an appointment to audit your business operations. You’ve paid all of your premiums...
View ArticleControl Your Losses to Cut Your Premiums
As a business owner, you buy insurance every year to provide protection from financial loss. However, the commercial policy shouldn’t be viewed as a maintenance policy. The most important function of...
View ArticlePrice is Not the Only Piece of the Commercial Insurance Puzzle
As a business owner, what do you look for in an insurance company? The first answer for many small business owners will be the cheapest price. In these dicey economic times, that line of reasoning is...
View ArticleDoes Your Commercial Renewal Policy Need a Renewal Checkup?
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...
View ArticleThere’s No Place Like The Insurance Industry
Last year at this time I wrote a blog about stumbling into the insurance industry and ended up actually fitting into it. I stated that I wouldn’t trade it for anything since every day is different and...
View ArticleEnterprise Risk Management: An Alternative Approach to Managing Risk
One of the core concepts of insurance is risk management. The Institutes define risk management as “the process of making and implementing decisions that will minimize the adverse effects of accidental...
View ArticleProtecting Your Produce: The Benefits of Spoilage Coverage
According to Statista, total retail and food services sales in the United States totaled 5.32 trillion dollars in 2015.[i] This includes perishable foods, which is food that “will spoil the most...
View ArticleManaging Inventory with the Peak Season Endorsement
During the course of a year, businesses in various industries may see their inventories rise or a firm may see greater demand for their products at certain times of the year. For example, many people...
View ArticleBusiness Vehicles and Your Personal Auto Policy
It has become more and more popular that people are owning and running their own business these days. I mean, who doesn’t want to be their own boss? Though, what does that mean for your vehicles and...
View ArticleSmall Business Safety: Taprooms & Tastings
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...
View ArticleFraud Awareness Week: Small Business
This week is International Fraud Awareness Week! And, Small Business Saturday is coming up next week! Why not talk about fraud in small business? Genius. Fraud can be devastating to any size of...
View ArticleWhat if Santa Claus needed to buy insurance?
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...
View ArticleThe New Year is a Good Time for Your Commercial Policy Check-Up
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...
View ArticleEquipment Breakdown Coverage Explained
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...
View ArticleLight Industrial – Heavy on Protection
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...
View ArticleMay the Coverage Be With You!
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...
View ArticleInsuring Your Office
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...
View ArticleProtect Your Home-Based Business by Knowing the Coverage Options
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...
View ArticleBusiness Vehicles and Your Personal Auto Policy
It has become more and more popular that people are owning and running their own business these days. I mean, who doesn’t want to be their own boss? Though, what does that mean for your vehicles and...
View ArticleSmall Business Safety: Taprooms & Tastings
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...
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