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Does your company have a cell phone policy…..

http://www.insurancejournal.com/news/southcentral/2012/05/07/246574.htm?ref=feed Seeing this question more often than not on policy questionnaires. “DOES YOUR COMPANY HAVE A CELL PHONE POLICY?” Most companies do not carry $24 Million in Commercial Auto and...

Feds weigh in on data breach & computer fraud..

Interesting take by the courts. How is your data protected? What safeguards do you have in place? Now may be a good time to review your data policy use in your company handbook.  http://www.insurancejournal.com/news/national/2012/04/10/242889.htm?ref=feed

Fire Legal Liability

Fire Legal Liability Do you rent space to operate your business? Fire Legal Liability insurance limit is the most the insurance company will pay for… property damages to property occupied by the insured which is damaged by fire due to the insured’s...

Product and Professional Liability

Product and Professional Liability? Which one is right with me? We get asked this question too frequently. “I own a small manufacturing company, do I need Product Liability or Professional liability?” or “We overhaul transmissions, do we need Product or Professional...

Independent Contractor or Employee?

Independent Contractor or Employee? I have a growing business, do I want to hire new employees or use independent contractors? … We hear this question all the time. Small business owners can often save money by using independent contractors instead of hiring...

What is Co-Insurance Penalty?

Co-Insurance Penalty I was just informed by the adjustor that we did not carry enough insurance on the building which suffered a loss, and have a co-insurance penalty? What does that mean?… Simply put, it means that the building was not adequately insured based...