Read about the business of business and commercial insurance you never knew. Learn why specialty lines, E&S, commercial insurance exists. Own a car? Ride in a car? Use public transportation? Take any prescription medications? Fly on an airplane? Ever been up, up, and away on a hot air balloon? Many of us can check off…

Read More

Every employer regardless of size should have a plan in place to handle emergency situations just like every family should. The following are six tips you should think of when putting your plan together. Remind people of the plan periodically. Share information with new people. And hold an occasional drill so that any issues can…

Read More

Jim’s shop is a thriving retail business that almost wasn’t thriving any longer. Jim received a call from his bank that his business checking account was overdrawn and they were transferring money from his savings account to cover a $4,300.00 overdraft. Jim never overdraws his account! He may not check balances regularly but he always…

Read More

As the owner of a business, this is a great time to look ahead and make some New Year’s Resolutions as well as review and update your records. Below are some items to consider at the start of 2020. Review your insurance coverage. New coverage regarding cyber-security and workplace violence has become necessary coverage for…

Read More

In the last month, AM Best and Fitch (companies that provide financial data products in the insurance industry), national consultants Willis Towers Watson, AON, and others have all echoed the fact that rates are going up and will continue to rise in 2020. Price increases in automobile insurance were discussed in an earlier blog, but…

Read More

The holiday season is a busy time for bars and restaurants, you may be catering to larger groups that are not your usual clientele, but do not let your guard down and make sure all of your employees are following your procedures for responsible service, sale, and consumption of alcohol. As the owner of an…

Read More

In many small businesses, one of the partners or shareholders may drive the bulk of the revenue to the business. This does not diminish the importance of the other partners or shareholders but it can create a huge problem if that person becomes disabled. A little known but great benefit to protect income for a…

Read More

Read about the value of an independent insurance agent to start-ups and newly acquired businesses. Discover why an independent insurance agent is the value-added resource for commercial insurance. Hopes. Plans. Expectations. We’ve all got them in some form or another. 2020 is on the horizon. Are you thinking ahead, making plans, perhaps envisioning your own…

Read More

Discover how inattention to proper clean-up could impact a business’ third-party liability. Read a scenario in which “clean up or pay up” could potentially apply to a commercial business. Whether you read it, hear it, or say it, there is definitely a common-sense ring to the phrase, “clean up or pay up”. It’s a first-party…

Read More

Learn basic factors insurance companies use to price General Liability business insurance Read how General Liability business insurance is rated When you buy coffee at the neighborhood coffee shop, visit the dentist for a professional check-up, go grocery shopping, remodel your kitchen, or eat out at your favorite restaurant in Cleveland, you are supporting the…

Read More