Category: Uncategorized

A Primer On Commercial Auto Insurance

The commercial auto insurance market size in the United States stands at USD 51.5 billion in 2021. This market is growing faster than the overall economy. Obviously, with millions of commercial vehicles sold every year, vehicle owners need to enroll in a commercial auto insurance plan. These vehicles include commercial trucks, vans, food trucks, and… Read more »

Insurance Considerations For Fall 2021

Summer is officially behind us, and fall awaits. Strange as it may seem, the change in the seasons does impact insurance claim categories and their respective frequencies. Getting a better understanding of the possible risks and trends could prove useful as you seek to assure yourself better security and coverage. As you would expect, Covid-19… Read more »

Understanding Restaurant Cooking Exposures

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE According to the National Fire Protection Association (NFPA), cooking is the leading cause of all restaurant fires, resulting in over $153 million in damage per year. Changes in cooking equipment and practices as well as fire-fighting technology have brought about many changes in NFPA standards. There are… Read more »

What Small Businesses Must Know About Unemployment Insurance

The United States has 30.7 million small businesses that employ a massive portion of the entire working population. But business is inherently risky and small business owners need to be aware of all the risks and uncertainties of the small business world. Covid-19, for instance, has hit the small businesses hard resulting in 31% of… Read more »

THE FUTURE OF DINING

by Sue Quimby, CPCU, AU, CIC, CPIW, DAE The COVID-19 pandemic changed the world in many ways, especially in the ways people obtain one of their most basic needs—food. As an item of necessity and often a source of entertainment, the ways we choose to consume sustenance play a crucial role in the food and… Read more »

Demystifying Flood Insurance

The past week has seen devastating floods wreaking havoc here in New Jersey and New York. The president has had to direct federal aid after the deadly flooding that has left more than 50 people dead across six New Jersey counties and five New York counties. These are the repercussions of Hurricane Ida. According to… Read more »

The ABC’s of Portable Fire Extinguishers

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Everyone knows that fire extinguishers are a “must have” item in homes and businesses. However, most people probably do not know that different extinguishers must be used under different circumstances. Having the wrong type of extinguisher can be worse than not having one at all. Proper use… Read more »

Sinkholes – Are They Covered?

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE Twenty percent of the land in the United States is susceptible to sinkholes, according to the United States Geological Survey (USGS). Sinkholes appear around the world, often without warning, causing nearly $300 million in damages each year. Helping clients understand the complicated issues surrounding sinkholes and insurance… Read more »

Exactly What Is And Isn’t Covered By Your Car Insurance?

91.3% of households in the United States have access to at least one vehicle. The rate of car ownership is constantly on the rise thereby increasing the demand for car insurance. The average annual car insurance premium in the US is $1,548 with Michigan, the home of our own Motorcity, on the top of the… Read more »