Commercial Auto Symbols

Have you ever, during a particularly wild moment, carefully examined the insurance policy that covers your business vehicles?  If so, you may have noticed the little numbers that appear next […]

Commercial Auto Medical Payments

Policies written for commercial operations that include a vehicle exposure (Business Auto, Garage, Trucker, and Motor Carrier Coverage) are missing critical coverage: Auto Medical Payments. This coverage handles the reasonable expenses of […]

Bobtail and Deadhead Coverage

Trucking operations face unique transportation risks presented by instances of bobtailing and deadheading. A tractor that is traveling on the road without a trailer is considered to be bobtailing.  Example: Joe drops his […]

Auto Dealer Operations

Garage operations are businesses that have hybrid coverage needs. With such companies, the lines between the general liability for the operations and the automobile liability exposures blur and overlap. A general […]

Artisan Contractors

Artisan Contractors are smaller operations that work in a variety of settings. They may be involved in large construction projects under the direction of general contractors, operate in smaller residential projects, […]

Alternative Risk Techniques

Businesses are vulnerable to having their existence threatened by a multitude of problems. In many instances, a company buys insurance to handle different aspects of its operations, such as General Liability, Business Auto, […]

A Look at Lloyd’s

The history of Lloyd’s begins at Edward Lloyd’s coffeehouse in 1688. The establishment attracted the custom of merchants, particularly ship owners, with vessels and cargoes needing protection. It evolved into a meeting […]

Risk Management

A Broad View of Risk Management  It’s a dream. You’re inspecting your business just moments before a planned opening. The service counters gleam, your inventory is varied and properly displayed, your […]

3D Printing

3D Printing An ongoing challenge for insurance is to protect against personal and commercial sources of loss in a rapidly changing world. With the passage of time and the influence of technology, new types […]

Hold Harmless

Hold Harmless Agreements Hold harmless agreements are typically in writing and involve one party agreeing not to take legal action (sue) against another party. In exchange for this promise, the […]