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Category Commercial Lines FAQ’s
Workers Compensation 101: Employee Misclassification
Workers Compensation 101: Employee Misclassification Workers’ compensation policy audits are crucial for ensuring the accuracy of premiums and aligning them with the real risks and activities of a business. Errors or misunderstandings during these audits can result in overpayment, underpayment,…
Insurance FAQ’s: What is Directors and Officers Liability Insurance?
If you own a business, you should consider Directors and Officers Liability Insurance. But what is it? Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers, in the event they are personally sued by…
Insurance FAQ’s: How do I fill out a business audit form?
Are you wondering how to fill out the business audit form? If you’ve received notice that your businses is being audited by your insurance carrier, you may have some questions. We are here to help! First thing’s first. Remember: An…
Insurance FAQ’s: What should I know about Key Person Life Insurance?
Insurance FAQ’s: What should I know about Key Person Life Insurance? If you are a business owner, can you imagine what would happen if a vital person to the business were to pass away unexpectedly? How would this impact the…
Insurance FAQ’s: How should employers handle legalized marijuana with their employees?
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?
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?
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?
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: How Do I Choose An Insurance Agent?
Insurance FAQ’s: How Do I Choose An Insurance Agent? Finding an agent that you can trust, that has a high level of insurance expertise and that truly has your best interests in mind can sometimes feel like a challenge in…
Insurance FAQ’s: Does my small business need liability insurance?
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…