Certificates of Insurance

It is good risk management for customers to check and make sure their vendors have insurance. Because of this small business owners are ofte...

Waiver of Subrogation, What is it?

If after an insurance claim is paid out by your insurance company, it is deemed that another party was actually the negligent one, then your...

Damage to Rented Premises

Any time a business rents or leases a space to operate from they sign a contract. In that contract are insurance requirements stating that t...

Deductible Basics

When a covered insurance claim happens the insured, in many cases, will be responsible for the first few dollars of most losses. The amount ...

Improved Workplace Awareness Helps Traffic Fatalities Trend Downward

Employers and employees need to address the issues associated with automobile accidents as part of their daily management routine. A heighte...

Tenant’s Improvements to the Premises

A common circumstance surrounding commercial leases involves the tenant making alterations, or improvementsto the rented premises. A strip m...

Insurance Journal Article on Cyber Liability

On March 5th, 2012 the Insurance Journal published an article called "What Insured's Should Know About Avoiding Cyber Liability Exp...

Extra Expense Coverage

If your business suffers a major disaster that interrupts normal business operations, what effect will it have on your operations over the l...

Professional Liability & the Claims-Made Policy

Occupations or business practices involving specialized care or advice often need professional liability insurance. Typical business classif...

US Working Toward Standardized Penalties for Data Breaches

Last month the US Senate’s Judiciary Committee approved three bills that deal with data breaches.   Those three bills where, The Personal Da...

Be Cautious When Using Smart Devices

Mobile devices used by you personally or provided by your business or employer offer wonderful advantages to make you more productive, but t...

Business Income

Calculating the appropriate business income limit does not have to be a mind-numbing process. To understand business income coverage limit...

Water In Your Basement?

This rain has caused one common phone call for our agency this spring, “I have water in the basement”. Whether it is a home, business or re...

Market Value vs Replacement Costs

Market Value vs. Replacement Cost is something that we in the insurance business discuss a lot with property owners. Depending on the econo...

Deductible Basics

When a covered insurance claim happens the insured, in many cases, will be responsible for the first few dollars of most losses. The amount...

Data Loss

If a fire where to occur at your business it is relatively easy to replace desks, chairs, decorations and even computers and network systems...

2010 Discriminations Charges

The US Equal Employment Opportunity Commission (EEOC) recently released some very interesting data for the fiscal year of 2010. 99,922 work...

Business Medical Payments

Your business liability policy covers you for claims due to your negligence. Medical payments coverage provides payment for bodily injury t...

Damage to Rented Premises

Any time a business rents or leases a space to operate from they sign a contract. In that contract are insurance requirements stating that t...

Products and Completed Operations Hazard

If you manufacture, sell or distribute a product, there is a possibility that the use of the product could cause bodily injury. The exampl...