Liability

Commercial insurance is not one-size-fits-all, but there are features that even very different businesses have in common. Offices are an exposure that nearly every business has, from accounting firms to web engineers, and from one-person offices to a ten-story office building filled with hundreds of professional employees. The coverage your business needs will depend on
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One of the toughest parts of commercial insurance is identifying all of the exposures a business might have. I met with a new client yesterday, Darth Vader, who is the Operations Manager for a business called The Empire. It sounds like they have several operations, including security, as well as logistics, and project management. I
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The majority of auto accidents are caused by driver error, whether it be following too closely, speeding, driving distracted, driving under the influence of alcohol or drugs, or any other variety of reasons. As a business owner, you have control over who’s operating your vehicles and you should take this responsibility seriously. Don’t underestimate the
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2020 was a year of extremes on many fronts. But just focusing on storm fronts, experts tell us the US experienced 22 separate billion-dollar weather-related disasters last year. At this writing, the Insurance Council of Texas anticipated that the state’s February 2021 extreme weather will result in the largest claim event in Texas history. The
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It seems like every day we are hearing of a new accident caused by distracted driving. Whether it was caused by someone texting, scrolling on their phone, or just not paying attention to the road, distracted driving accidents are all too frequent and often fatal. In fact, according to NHTSA, distracted driving killed 3,142 people
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Contractors have enough items to juggle without adding insurance into the mix; however, insurance-related issues are often unavoidable and, in some cases, misunderstood. Sure, it’s easy enough to determine how much coverage is needed for tools and equipment and it’s usually no big deal to obtain insurance for vehicles and trailers associated with your business.
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When I’m completing a risk management review for one of our commercial partners, the most common area of losses we discuss are fleet claims. Whether your company has one vehicle or 100, having drivers out on the roadway poses a constant risk to your vehicles and employees. I often run into attitudes such as “Well,
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