October is a notoriously scary month for a number of reasons. For one, there is the impending winter that is lurking just around the corner. Of course there is also Halloween, and all of the ghouls and goblins and children with sugar highs that comes with it. And now we can add cyber security to […]
You work out at least four times a week, haven’t had a cigarette in years, and eat relatively healthy. And while these things are often imperative to longevity, they may not be enough if you’re sitting behind a desk all day. According to CNN, “the sitting we typically do in a day still outweighs the […]
When Chicago’s beloved Michael Jordan sued Dominick’s for the unauthorized use of his name and identity in a 2009 ad in Sports Illustrated, some scoffed at his greediness while others nodded in agreement with his decision to protect his brand. We here in the insurance industry let out a collective exasperated sigh of, “This is […]
What is a Business Umbrella Policy? A business umbrella policy picks up where your business auto liability, general liability or other liability coverage stops. Umbrella insurance is an inexpensive way to provide extra coverage against bodily injury and/or property damage It Is Important to Customize your Umbrella Coverage to fit your Company Since no two […]
There are several reason why you should collect certificates of insurance (COI) from your vendors, contractors, subcontractors and or tenants prior to engaging in any work or agreement. Collecting a certificate of insurance is meant to identify a snap shot of your vendor’s insurance policy and to insure the transfer of risk if need be. […]
Along with our goal to be the leader in middle market property & casualty insurance we also want to be active and support a handful of Charities/foundations that are important to us. While being involved monetarily is a piece of the puzzle we feel the other side of the coin is the most crucial and […]
Confused about Occupational Safety and Health Act (OSHA)? There’s some good news and bad news about OSHA for small businesses. After OSHA was implemented in 1971, small businesses owners complained that the regulations were too complex and burdensome. So the good news is that in 1996 Congress passed the Small Business Regulatory Enforcement Fairness Act […]
An effective fleet safety program must be comprehensive, up-to-date and instituted as a part of your company’s safety culture. It should be thorough, reaching each employee who gets behind the wheel. And the commitment has to start at the top. #fleetsafety Identifying all of your drivers. Businesses may not be aware of the full extent […]
Having proper business income limits can assure your business can recover after a disaster. Just as important though are Business Continuity Plans. These plans are often in expensive and put you in a position to continue your normal business operations in a timely fashion. What is a business continuity plan? A Business continuity plan is […]
One service that we feel very strong about are midterm audit meetings. Although they are not required by insurance carriers it can be a proactive approach to help mitigate a large audit at the end of the policy term. Cash flow is vital to any business and we feel this service helps that cause. The […]
