Employing people comes with its rewards, but certainly can also have its challenges. Business owners can be subject to employment liability risks on any given day. Employment related claims can have a significant financial impact on a business. In fact,…
Read MoreCommercial Inland Marine Coverage
Commercial insurance policies that include business personal property (BPP) provide coverage for certain types of equipment, tools, furniture, etc. while at the insured location. If the business equipment and materials frequently move to different locations (jobsites for example), the company…
Read MoreWorkers Compensation
Running a business is no easy feat. Especially, when you have to think about things like employee payroll and workers compensation coverage. Workers compensation pricing is based on several factors. The main factors involved are the classification code of employees,…
Read MoreUnderstanding Your Commercial Lease Before A Property Insurance Loss
So, your business has outgrown its space and you decide it’s time to move to a new location. Other than physically move, all you need to do is ask your insurance agent to transfer your coverage to the new location,…
Read MoreConsider Changes to Liability Limits on Insurance Policies
An insurance policy consists of several different variables. A key variable that many people neglect, is the amount of liability they carry on their policy. They assume insurance is absolute, and if they have it “they’re covered”. However, placing coverage…
Read MoreInsurance and Natural Disasters
Unfortunately, natural disasters have dominated the news lately. Hurricane Harvey devastated Texas and Louisiana. Hurricane Irma did the same to Florida. Hurricane Maria severely damaged Puerto Rico. On September 19th, Mexico City was rocked by a 7.1 magnitude earthquake, causing…
Read MoreNew California Driving Laws for 2017
As we head in to the New Year there are new driving laws that went in to effect in California on January 1st. Some of the new laws could impact you, and could cost you a fine. Below is a…
Read More5 Social Engineering Attacks To Watch For
A social engineer runs what used to be called a “con game.” Techniques such as appeal to vanity, appeal to authority and appeal to greed are often used in social engineering attacks. Many social engineering exploits simply rely on people’s…
Read MoreLIABILITY INSURANCE AND COMMERCIAL USE OF DRONES
Your business does not own or utilize drones during the course of business but you allow independent contractors to use drones. If there are claims for liability because an independent contractor operating a drone injures someone, will the independent contractor’s general…
Read MoreUmbrella and Excess Liability Policies
Umbrella and Excess Liability policies provide coverage over the limits of an underlying coverage or the basic insurance policy. These two policies are designed to pay for losses that exceed the insured’s underlying policy limits and also provides coverage which may not…
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