Discover real value independent insurance agents add to commercial businesses. Read why commercial businesses should connect with independent insurance agents. No business is an island, as each one depends on vital connections. Independent insurance agents are a reliable and reachable connection for the needs of many commercial insureds. We are Independent for you, giving you […]
According to the Insurance Information Institute, 30.2% of all church fires are started by lightning strikes. With that in mind, why don’t more churches have lightning rods? Lightning rods originally developed by Benjamin Franklin in the mid-1700s still offer an effective method to divert the energy of a lightning strike. Lightning rods do not attract […]
Contractors – do you need Pollution Liability coverage? Have you discussed the pollution exclusion in your General Liability policy with your agent? Contractor’s pollution liability (CPL) provides third-party coverage for bodily injury, property damage, clean up expense, and defense expense as a result of your creation of a condition that is considered pollution. This condition […]
Gino is buying a 14-unit apartment building that is structurally solid, but needs both maintenance and repair work. Three days ago Gino and Toby entered into a purchase contract in the amount of $300,000. Along with signing the purchase contract, Gino also put a $20,000 deposit down on the apartment building. Toby, the current owner […]
During a heatwave, many systems are being worked to their limit. This heavy workload could cause a mechanical breakdown. Insurance for mechanical breakdowns/equipment breakdown can be purchased as a separate policy or as an endorsement to your commercial insurance policy, Equipment Breakdown: A standard policy will cover the following types of equipment. Electrical systems-Including electric […]
Small and medium size business (SMB) owners have a multitude of responsibilities and concerns with running their own business. I understand your concerns because I own a business too. And if you own the commercial property your business is in you have (at least) two businesses to worry about. One of the most important decisions […]
When you think apartment housekeeping, you probably think of jobs like tenants keeping their units clean, the garbage being picked up from the dumpster and the front of the building’s street appeal. But what about those housekeeping items that, if ignored, could lead to safety issues? Lighting, exits, floors, and stairs, if not properly maintained, […]
Learn a few basics about commercial drones and insurance for commercial drones. Read why commercial drones are on the rise and why you need drone insurance. Technology continues to put it out there and change what and how things are done. Commercial drones are on the rise, literally, and have the potential to bring about […]
Keeping your apartment building occupied is paramount to profitability, but don’t be negligent in your application and screening process. The Department of Housing and Urban Development (HUD) has created regulations that define classes of people who can’t be discriminated against in the rental process. (read more) As a landlord, you may not discriminate in renting […]
According to the Insurance Information Institute 30.2% of all church fires are started by lightning strikes. With that in mind, why don’t more churches have lightning rods? Lightning rods originally developed by Benjamin Franklin in the mid 1700’s still offer an effective method to divert the energy of a lightning strike. (read more) Lightning rods […]
