- Vacant Properties May Be Putting Your Coverage at Risk - While U.S. office vacancy rates dropped dramatically last year to the lowest level since 2009, many businesses still have an inventory of empty buildings. And having a vacant property can have a significant impact on your commercial property coverage. In the insurance industry, buildings under construction or being renovated are not cons...
The Fine Art of Managing Your Corporate Risks - Your insurance program should be as individual and unique as your business. The process of defining a program that will best manage your corporate risks is called risk management. It should be included as part of your overall strategic plan. The following will help you develop a program to meet your unique needs: Identify and Prioritize: Risks ...
Is Your Business Insured Against Water? When your place of business is filling with water, the last thing you want to hear is that your commercial property or business owner’s policy does not cover the claim. However, that could be the case if you’re not careful. Commercial property insurance provides the broadest type of coverage that insurance carriers can offer to business owners. It is...
Is Your Business Properly Insured in Event of a Loss? Running a business is stressful enough. Any kind of loss only adds to the problem. Your comprehensive insurance policy should include coverage for just such an occasion. This is called Business Income with Extra Expense coverage. The Business Income portion of coverage will provide the amount of income you would have made had you not had a lo...
How to Keep Your Business Safe from Costly Lawsuits - For better or worse,America is a litigious society, which is why owners of SMEs should pay special attention to liability insurance. Protecting your company from lawsuits takes many forms, including reducing or minimizing the risk from the following categories: General Liability: General liability is the risk associated with normal busines...
Protection That Keeps Your Business Humming - Buying business and equipment insurance is often considered little more than a necessary evil when, in fact, it might be one of the most important business decisions you make. Business equipment insurance does more than simply protect against theft or vandalism. Depending upon the policy it can protect against most commonly encountered perils, inclu...
February 8th, 2013 
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- COMMERCIAL AUTO VS. PERSONAL AUTO - Many business owners can be intimidated by the word “commercial” when it comes to an automobile policy. I know many business owners who are individual owners and prefer to have their auto policy on a personal auto plan rather than a commercial auto plan. In most cases they have never even tried to shop a commercial auto policy. Typically if the ...
Ask the Agent: This Month’s Question How will home renovations impact my insurance? Doing home renovations? After deciding what to do and who will do it, you have one more task: contacting your insurance company. Whether you’re renovating to sell or to meet your own needs, significant changes may well impact your insurance. Some – like remodeling your kitchen – will add value to your...
November 1st, 2012
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- How to Protect Your Business from Disasters - The difference between thriving and barely surviving often comes down to planning, and in no situation is this more apparent than when the topic of disaster preparedness is involved. While disaster planning for your business may not seem like a top priority, planning for the unexpected may prevent a bad situation from becoming worse. Learn how to...
What’s the Difference Between Major Medical Insurance Plans? Major medical insurance is a type of health insurance plan that provides coverage for most types of medical expenses that are incurred by a policyholder. They typically offer a broader, more complete range of coverage than traditional health insurance policies. This means that these plans usually provide for higher individual policy...
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