Finding the right business insurance for your company can be confusing and time-consuming. Add to it the volatile prices that usually accompany commercial insurance policies once they’re active, it’s easy to see why some organizations choose to look for alternative solutions. Here’s what you should know about a captive insurance program and what makes it
It is every nightclub owner’s nightmare scenario. A customer drinks too much and later is the cause of a serious car accident. A lawsuit is filed, and the bar is held responsible. Without a comprehensive policy that includes liquor liability for nightclubs, the financial effects on a small business could be devastating. Dram Shop Laws
Errors and Omissions (E&O) is an important type of policy in insurance programs for agencies, protecting them from claims of acts involving negligence and poor work. When acquiring this type of policy, consider including E&O insurance tail coverage, which adds an extra layer of security. The way it works is by giving an amount of
Hospitals, schools, offices and virtually every major establishment has one thing in common; they rely on janitorial services that often work behind the scenes to keep their buildings clean, safe and maintained. While janitors are sometimes employees of the business, others are smaller businesses under contract. In these types of scenarios, it’s important to consider
For some small businesses, there are coverage gaps when it comes to auto liability insurance. This is especially true in situations or accidents where employees are involved, yet company vehicles are not. These incidents are best served by non-owned auto insurance. What It Is A non-owned liability policy helps protect your business against financial damages
As the business world rapidly evolves, so must the ways in which businesses protect themselves from new threats and unexpected exposure. A smart commercial property package (CPP) can do that. But what should you include in your CPP insurance policy? CPP’s are built for commercial property owners in a way that allows for customization. With
If you have high net worth (HNW), you may likely have invested in one or more extravagant homes of great value. Homeowners insurance can protect your home and personal belongings but can have certain limitations that may not cover the value of items and property that homeowners with HNW may possess. HNW insurance can provide
A cleaning service is exposed to a unique set of risks. Damage to cleaning equipment and supplies, damage to a customer’s personal property and injuries suffered at the workplace. The list of possible liability claims is a long one. Because of this increased exposure, it is essential to protect your business with an all-inclusive janitorial
How are you engaging with your prospects? Direct mail? Billboards? While those marketing strategies for insurance agents may have worked in the past, there are new ways to connect with prospects and customers. Embrace Content Marketing The Internet has changed the way people shop for everything, including insurance. Today, a prospect will spend time online
Focusing only on the final costs for the insurance premium or the limits of insured items misses valuable and often overlooked details that could cost you money. Commercial property insurance coverage extends past the large items and into the necessary details to cover all potential risks and liabilities for the property owner. Coinsurance and Deductibles
