Category Commercial Lines FAQ’s

Insurance FAQ’s: How should employers handle legalized marijuana with their employees? Currently, marijuana is legal in 39 states for medical use, and 18 states for recreational use. How does this affect you as an employer and how should you handle…

Insurance FAQ’s: How do I reduce my company’s Experience Modification Factor? Your Experience Modification Factor is (aka: a mod), is one of the most important factors in determining the cost of your workers compensation premium. If you need a refresher…

Insurance FAQ’s: What is an Experience Modification Factor? You may have heard of a mod in regards to your workers compensation insurance. But what is it really and how does it affect you?  Let’s start with the definition of a…

Insurance FAQ’s: What is the difference between claims made and occurance coverage? The vast majority of business liability policies that we see are written on an “occurrence” basis. However, some of the specialty policies we write, such as Professional Liability…

Insurance FAQ’s: Does my small business need liability insurance? As a small business owner, you’ve worked to build your company from the ground up. You’ve expanded, taken on new clients and offered new products or services. As your business grows, the…

Insurance FAQ’s: Does my insurance cover my office party? ‘Tis the season for office holiday parties! This is a great time for everyone to cut loose and celebrate your team’s successes. Coming together to socialize and gather outside of work…

Insurance FAQ’s: What does farm insurance cover? Farm insurance can vary from farm to farm, based on the unique needs of your business. However, there are 4 main areas of protection that a typical farm policy covers.  A typical farm…

Why does my driving record matter to my employer? If your job requires you to drive, your driving record can greatly affect your ability to get and keep a job.  Drivers with multiple tickets, accidents, or other serious marks on…