Insured Contracts and Commercial Umbrellas

A liability policy has to restrict its coverage to handling the type of losses for which it was created, and a commercial liability umbrella (CLU) is no exception. It contains an important provision […]

Insurance – Smart Contracts

Traditional insurance involves trust, as it is a form or contract; it requires that the parties that belong to the agreement deal with each other in good faith. They are expected to meet […]

Insurance – A Matter of Trust

Insurance policies involve trust. Insurance policies are written agreements that include at least two parties. One is the insurance company that provides the applicable form of protection. The other is […]

Home Based Business Auto

Do you operate a business from your home? If so, you have likely arranged for the proper coverage to protect your property, such as business equipment and furnishings that you use with […]

Handling a Cell Phone Distraction

A business that deals with over-the-road transportation is highly concerned with substantially minimizing accidents. Vehicle accidents, besides interrupting work and creating a loss of business property, have much wider consequences. Accidents also […]

Garagekeepers Coverage

Businesses should pay close attention to their chance of suffering loss involving their use of vehicles. It’s relatively easy to recognize loss created by cars and trucks that are owned […]

Exterior Insulation And Finish Systems

Exterior Insulation and Finish Systems (EIFS) refers to any material that is used and applied as a protective (insular) exterior coating to any building or structure. Items that qualify as […]

Employee Theft

When a business uses insurance and/or loss control to protect itself from losses, the focus is usually upon outside forces. In other words, the assumption is that some event or […]

Discontinued Operations

Once a product enters the marketplace, or certain work is performed to completion, liability associated with that product or completed operation is ongoing. While a business is still active as the […]

Coverage for Business Autos

Many businesses are exposed to the financial consequences of their ownership, use, or maintenance of vehicles used in their operations. Most coverage needs can be handled by a Business Auto Policy […]