When Should I Update My Business Insurance?

When Should I Update My Business Insurance?

There are many steps to starting a company, but investing in a comprehensive business insurance policy is an invaluable course of action for any business owner. It is also important to periodically review this coverage to make sure it reflects the value of your business down the

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What Legal Issues Can I Face as a Food Truck Owner?

What Legal Issues Can I Face as a Food Truck Owner?

  What Legal Issues Can I Face as a Food Truck Owner? Owning your own food truck can be exciting, but the operation brings certain legal obligations you should be ready to address. You need to maintain the appropriate licenses and permits to operate a food truck,

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Some Of The Biggest Misconceptions About The Insurance Industry

Some Of The Biggest Misconceptions About The Insurance Industry

  People who are not involved directly in the insurance industry are subject to myths and misconceptions that can give a wrong impression. For those proactive people who want the truth and want to get away from misconceptions, we offer some responses to the biggest insurance myths

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Difference Between Actual Cash Value & Replacement Cost

Difference Between Actual Cash Value & Replacement Cost

  When you have an insurance policy, it is important to understand all of the verbiage in the policy as it applies to your coverage. If you do not know what a deductible is, then it is difficult to understand how a deductible affects your claim. Two

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Small Business Marketing Tips

Small Business Marketing Tips

  When you have a small business, your marketing activities have a significant effect on the success or failure of your business. The issue for many small business owners is the misconception that marketing costs a lot of money and takes a lot of time. There are

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Financial Planning for Small Business: Boldly Boost Your Boost Your Baby

Financial Planning for Small Business: Boldly Boost Your Boost Your Baby

A small business that is run through careful planning is one that is able to handle the challenges that are consistently thrown its way. When you have strong financial planning in place, you have a road map you can follow to navigate difficult situations and avoid financial

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Small Business Ownership in Rural America : Where Community is Everything

Small Business Ownership in Rural America : Where Community is Everything

  Back in the days when the American landscape was either rural or urban and the suburbs did not exist, the rural communities often found themselves cut off from the cities thanks to a lack of investment in communication technology. Even as wireless technology expands, some rural

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Why Your Commercial Lease Requires Liability Insurance

Why Your Commercial Lease Requires Liability Insurance

  When you lease commercial property for your business, there is a very good chance that your landlord is going to require you to carry business liability insurance for protection. If you do not have business liability insurance then it is a good idea to get some

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Is Glass Insurance a Necessity ?

Is Glass Insurance a Necessity ?

  As you go through your commercial and personal insurance lines with your agent, your agent points out that you do not have any glass coverage on any of your personal or commercial vehicles. To you, glass coverage seems like an unnecessary expense considering how infrequently you

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The Future of the Insurance Industry

The Future of the Insurance Industry

  The insurance industry is one of the largest in the world with revenues totaling approximately $4 trillion per year. As with most large industries, the insurance world has been hesitant to give in completely to technology for fear that one simple mistake could set off a

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What is Crime Insurance?

What is Crime Insurance?

  One of the first things you notice when you open a business is how different commercial insurance lines are from personal insurance lines. For example, most homeowner insurance policies offer fairly comprehensive types of coverage for theft. In some cases, your homeowner’s insurance would cover losses

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How Property Insurance Is Important

How Property Insurance Is Important

  When you own a home, it is important to do everything you can to protect your investment. This means doing routine maintenance when it is required and making repairs as quickly as possible to prevent issues from getting worse. Protecting your investment also means having the

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What to Insure at Your Restaurant

What to Insure at Your Restaurant

  As with any other type of business, insuring a restaurant properly means looking at its operations and determining where to find risk. Aside from the standard worker’s compensation insurance to protect employees, there are several specific reasons why a restaurant owner must invest in certain types

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Why Does Your Scrap Yard Need to be Insured?

Why Does Your Scrap Yard Need to be Insured?

  As a practical business professional, you know that any type of business needs to be insured. But when it comes to insuring a scrap yard, there are some elements of risk that most people fail to see as obvious. We have years of experience in helping

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Insurance Needs For Truckers In New York State

Insurance Needs For Truckers In New York State

If you are a trucker based in New York State, then you have insurance requirements you must meet if you want to stay legal when you are on the road. An independent trucker runs their own business, and it is your responsibility to make sure that you

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Which Insurance To Get As A First Time Business Owner In New York

Which Insurance To Get As A First Time Business Owner In New York

One of the line items in a new business that many new entrepreneurs leave out is insurance. Your insurance needs will depend on the type of business you are starting, but every first time business owner in New York should be aware that there are insurance requirements

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Choosing A Good Commercial Insurance Plan

Choosing A Good Commercial Insurance Plan

Commercial liability insurance is different than the liability insurance you get with your personal vehicle or your homeowners insurance. At the commercial level, there are a lot of questions you have to ask in order to make sure you are getting the right coverage. It is important

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Lowering Your Business Insurance Rate

Lowering Your Business Insurance Rate

In the risk management industry, one of our primary concerns is keeping insurance and risk management costs down for our clients. When our clients take unnecessary risks or avoid the steps necessary to keep insurance costs down, then we know that we are on our way to

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Handling The Intermingled Nature Of Risk

Handling The Intermingled Nature Of Risk

When we talk about risk to our construction clients, we are always quick to point out that risk is not as straightforward as it may seem. For example, the risk involved in taking on a subcontractor with a bad safety record not only has the potential to

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Taking Care Of The Details

Taking Care Of The Details

As business experts we find ourselves repeating our advice frequently to our customers, and the most common piece of advice we use is to make sure you take care of the details. While this does mean making sure that a company has the right equipment to do

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We Help Protect You And Your Business

We Help Protect You And Your Business

As risk mitigation experts, our job is to help identify ways your business is exposed to risk during normal operations, and then plan for those risks. We are also experts in planning for contingencies that you may have never thought of, but would apply directly to your

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How New Anti-Retaliation Laws Can Affect Your Business

How New Anti-Retaliation Laws Can Affect Your Business

A contractor has to be concerned with federal and state laws that could invite risk in situations where risk is a touchy subject. OSHA has recently announced that it is going to be altering its anti-retaliation laws which are designed to encourage workers to report accidents and

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Basic Insurance Coverage Your Contracting Business Will Need

Basic Insurance Coverage Your Contracting Business Will Need

When we talk to our construction clients, we always do our best to make sure that everything we explain is easy to understand. In some circumstances, using industry jargon is unavoidable and can get confusing. The reason our customers hire us is because we are risk mitigatioin

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The Five Provisions Your Subcontractor Agreement Must Have

The Five Provisions Your Subcontractor Agreement Must Have

We talk a lot about contract provisions that protect you from mistakes made by your subcontractors. But in order to truly understand how comprehensive your subcontract agreement must be, you need to understand the five provisions that will protect your business and keep your project moving along

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Getting The Right Transfer Station Insurance For Your Business

Getting The Right Transfer Station Insurance For Your Business

Running a transfer station can be a difficult job because you rely a great deal on other businesses to be responsible for what they do. Most transfer stations have insurance requirements their customers must meet before those customers can start dropping off loads. At a transfer station,

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Refinery Insurance Will Protect Your Business

Refinery Insurance Will Protect Your Business

It is difficult for business owners to understand just how comprehensive our risk assessment knowledge is, but we are able to cater to the needs of any business. One industry that carries a tremendous amount of risk is the oil refinery industry, and we have become experts

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Insurance Musts For Your Recycling Business

Insurance Musts For Your Recycling Business

One of the things we have learned in our many years of being in business is that every industry has its own challenges that present a variety of risks. Many business owners that we work with are shocked when we present our initial risk analysis reports, because

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Does Your Business Need A Buy/Sell Agreement

Does Your Business Need A Buy/Sell Agreement

Any business that does not plan for every contingency is doomed to suffer when disaster strikes. That is why it is critically important to talk to one of our business experts about buy/sell insurance for your company. With this type of insurance in place, your company will

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Key Man Protection Keeps Your Company In Business

Look around at the important members of your team and try to imagine your business operating without them. Your best sales professional has established strong ties with your top customers and if something were to happen to that sales professional, then those customers may fade away. Now

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Using Buy-Sell Agreements To Protect Your Business

It is human nature to not want to think about what could happen if a worst-case scenario were to play out. It is this apprehension that prevents children from wanting to discuss life insurance beneficiary arrangements with their parents and it is also this apprehension that prevents

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