What To Look For While Buying Car Insurance
April 11, 2024
In 2023, the US auto insurance market was estimated to be worth $362.1 billion....
Read moreUnderstanding Renter's Insurance - The What, Why, And How
April 10, 2024
About 30% of the entire population in the US lives in rental accommodation. Although the country...
Read moreA Long Hard Look At Insurance Fraud
March 25, 2024
Unfortunately, insurance fraud is common and has a long history. A 2022 report says that fraud in this space costs insurance companies (and consumers) about $308.6...
Read moreSome Startling Statistics About Small Businesses In The USA
March 13, 2024
The small business community in the US is one of the largest in the world. There were 440,000...
Read moreWhat's happening to commercial real estate in the USA?
March 11, 2024
The real estate sector in the US has seen its ups and downs since 2010. However, despite challenging economic conditions, many new construction projects are rolling forward. Over...
Read moreWhy Auto Insurance Premiums Are Different For Some Cars?
February 28, 2024
Statista reports that around 75% of the US population had access to their own cars by Q1,...
Read moreCan An Insurance Agency Be A Partner To A Small Business?
February 27, 2024
Most small businesses are run by the owners, with no employees listed under the organization. Managing everything, right from product formulation to marketing, and then shipping...
Read moreInsurance Concerns Of The Silver Generation
February 20, 2024
The silver generation is the working professionals over 50, often having a high disposable income. These individuals are usually...
Read moreWho are Porch Pirates and how can you stay safe from them
February 13, 2024
In America, porch pirates stole goods valued at over $8 million in 2023. In the previous three months, 17%...
Read moreHow Should "Solopreneurs" Look At Insurance?
January 29, 2024
There are 33.2 million small businesses in America, totaling over 99% of all businesses registered...
Read moreShould The World Of Insurance Care About AI?
January 23, 2024
Everyone has heard about artificial intelligence by now, and we in the insurance sector haven’t been spared.
To respond to...
Read moreA look at customer experience in insurance - trends, challenges, and opportunities for improvement
January 15, 2024
Whether it is a business or an individual, laborious and exhausting insurance processes can make experiences extremely terrible and bitter. However, today's empowered consumer...
Read more5 Ways for a small business to reduce how much they spend on insurance
January 8, 2024
There are all kinds of small businesses. For instance, the monthly expenses for some small business insurance can be as low as $14...
Read more5 Changes in the world of cars, driving, and auto insurance for 2024
December 31, 2023
The world of automobiles, driving, and auto insurance is fascinating at the best of times. It’s also more than a little confusing for a variety of reasons, including variations...
Read moreSome musings about insurance in 2024
December 26, 2023
The insurance landscape in the US is changing because of new demands from consumers. From technological advancements to sustainable practices, US citizens are looking for plans...
Read moreTop 5 Things Likely To Occupy The Minds Of Small Business Owners In 2024
December 20, 2023
Small businesses make up about 99% of all businesses and contribute to about 40%...
Read moreFour 2024 Trends Commercial Building Owners Should Know About!
December 13, 2023
According to a 2020 survey by U.S. Energy Information Administration, the number of commercial buildings increased by 6%...
Read more8 Reasons To Give Thanks For Insurance
December 1, 2023
Imagine going out to watch a Thanksgiving day game at a friend’s place and returning home to find some broken windows. Your mood drops from 100 to 10 in an instant. Or when your...
Read more7 Ways in which your record and history can impact your auto insurance premium
November 28, 2023
Massachusetts first mandated auto insurance in 1926, and by 1970, approximately 48 states...
Read moreWhy (and How) Small Business Owners Must Get Informed About Insurance
November 15, 2023
The small business owner community in the United States is large and widespread. Small businesses are big in the context of the nation’s economy. According to reports, between...
Read moreInsurance Considerations - Winter Special Edition
November 14, 2023
It gets cold across the Eastern Seaboard. It’s always been important to protect oneself from the approaching winter. And winter is costly too. Winter storms caused insured damage...
Read moreUnderstanding Flood Insurance
November 1, 2023
According to Statista, there have been approximately Read more
An Insurance Guide for eCommerce Sellers
October 30, 2023
In 2020, a lot of businesses went online to amplify their revenue. Some sought survival in the midst of the pandemic. This opened new gateways and possibilities for businesses...
Read moreSmall Business Insurance for Bad Weather (or Good)
October 17, 2023
Be it a pandemic that forced the closure of over Read more
Why Small Business Owners Should Be Comprehensively Insured
October 2, 2023
The small business community is experiencing unexpected growth, not just in the United States but globally. The rise of social media, acceptance of independent brands, and more...
Read moreWhat's New in the World of Commercial Building Insurance?
September 29, 2023
Natural disasters in the United States caused a total loss of an estimated Read more
Observing Life Insurance Awareness Month
September 22, 2023
Financial illiteracy is a real concern for many people. Often, most young adults who have to tackle their finances struggle with the right investment plans and are mostly underinsured/uninsured...
Read moreHow Does Insurance Work for the Victims of Wildfires?
September 11, 2023
Wildfires are one of the most common and devastating natural disasters that people in the US face year after year. They have serious consequences for livelihoods and land, reduce...
Read moreThe Small Business Owner's Guide to Insurance for Things That Aren't Their Fault!
August 25, 2023
The pandemic altered the way the world operates, possibly forever. Emerging small business and work-from-home trends are here to stay. The number of new small businesses also surged....
Read moreHas Commercial Building Insurance Become More Expensive?
August 21, 2023
According to CIAB, the increase in commercial insurance premiums ticked in at around Read more
Is It a Good Idea to Get Renter's Insurance?
August 16, 2023
The insurance sector is witnessing the widespread increase in premiums for various insurance coverages, such as property insurance, auto insurance, and more. But what if we told...
Read moreThe Summer Road-Trippers Insurance Road Map
August 11, 2023
Summers in the United States call for breaks and frequent road trips. According to one report, Memorial Day road trips increased by 6% in 2023, with Read more
5 Most Common Flood Insurance Mistakes
July 28, 2023
According to Statista, the country experienced Read more
How To Choose the Right Insurance for Your Small Business
July 25, 2023
According to data collected by the Bureau of Labor Statistics, approximately 20% of...
Read moreThe Latest Trends in Commercial Property Insurance
July 19, 2023
Climate change, economic upturn, and altering needs are all contributing factors to consider when it comes to commercial property insurance. Citizens are heavily invested and certain...
Read moreKeeping Your Home Safe from Summertime Disasters
July 6, 2023
Summers in the United States can be brutal. Temperatures can shoot up and create havoc. Besides, hurricanes, floods, fires, and storms are some of the most common summertime disasters....
Read moreThe Top 6 Risks Small Businesses Face and Insurance Coverage to Mitigate Them
July 4, 2023
Running a small business is both challenging and rewarding. Business owners invest their hearts and souls into their ventures, striving for success. When a business thrives, it's...
Read moreWhy It's Never Too Late to Get Life Insurance Coverage
June 23, 2023
Life insurance policies are fairly straightforward. You purchase an insurance policy, pay the premiums, and leave a secure life for your loved ones in the event of a natural or...
Read moreUnderstanding the Threat from Lead-Based Paint (And the Protection)
June 19, 2023
Lead has long been a source of concern for people worldwide because it is a toxic substance that can have adverse health effects. Its presence and extensive usage in the past for...
Read moreHome or Condo - Understanding Your Insurance Options
June 14, 2023
There’s always a steady trend of people looking to purchase home insurance. This can be attributed to several factors. On the one hand, for example, the weather is becoming less...
Read moreAn Insurance Primer for Founders Of "Revenge Startups"
May 18, 2023
The clickbait term - revenge startups is making the rounds in news and debates across the country. Following widespread layoffs, various stories are getting published showcasing...
Read moreThe "Good Boy" Policy - A Glimpse of Pet Insurance
May 16, 2023
As per the 2023-2024 APPA national pet owners Read more
Beyond Fire and Flood: What Other Building Insurance Should Property Owners Get?
April 27, 2023
Having one or more types of property insurance is mandatory. But beyond what mandated by the law, most building owners need more protection.
Auto insurance is a mandated coverage by most states in the United States. Apart from providing protection in case of accident, the increasing theft of auto parts also emphasizes...
Read moreRetail Ready: What Every Small Retail Outlet Owner Needs to Know About Insurance
April 20, 2023
Small businesses have regularly been victims of numerous mishaps, including thefts, burglaries, and shoplifting. Even with all safety precautions in place, it is estimated that...
Read moreProtecting A Small Business: Understanding the Insurance Coverage a Small Business Owner Needs
April 11, 2023
There are over 33 million small businesses in the United States, and many of them are either uninsured or underinsured. According to Read more
It's Gone! What Gets Stolen the Most in America
March 27, 2023
According to Statista, the burglary rate in America...
Read moreIs Auto Insurance Becoming More Expensive?
March 9, 2023
Chip shortages, supply chain dynamics, and political upheavals have all contributed to an increase in prices for a variety of goods; vehicles are no exception. According to a
Why are Property Insurance Rates Trending Upward?
March 1, 2023
Although inflation is a factor, some states have higher property insurance premiums than the national average and the current inflation rate. According to a Forbes Read more
All You Need to Know About Commercial Auto Insurance
February 23, 2023
As of 2022, over 76% of the US population had...
Read moreThe Expensive "Stuff" We Own and How to Protect It
February 22, 2023
In the US's major cities, auto theft increased by 21% between 2021 and 2022. While the number of auto thefts and carjackings has doubled in some cities, it has tripled in places...
Read moreThe Cyber Risks Small Businesses Must be Aware of
February 6, 2023
A recent CNBC article on the high risk that cybercrimes pose to small businesses was eye-opening in many ways. According to it, cybercrime complaints against small businesses exhibited...
Read moreThe Insurance Impact of the Great Resignation on Small Businesses
January 30, 2023
Seeing how workplaces had been changing, psychologist and professor Anthony Klotz coined the term "Read more
All You Need to Know About Deductibles in Insurance
January 18, 2023
Few people are familiar with or particularly attuned with insurance deductibles. The best way to define an insurance deductible is the sum of money that is deducted when a claim...
Read moreStaying Warm and Secure – Even as Winters Get Harsher by the Year
January 11, 2023
In the United States alone, extreme weather conditions cost over Read more
The Updated Guide to Insurance for Retail Stores
January 4, 2023
According to a study, the global commercial insurance market will reach a market value of Read more
Why Small Businesses Should Be Concerned About Cybercrime
December 29, 2022
Small businesses are just as vulnerable to cybercrime as multinational corporations. According to a report, there were about Read more
Home Insurance Trends Likely to Catch the Eye in 2023
December 21, 2022
The world is changing, and so are people's habits and preferences. And this can be attributed to the evolution in the socioeconomic environment, ever-expanding technology interventions,...
Read moreA Cautionary Tale of Fraud (and How to Avoid Becoming a Victim)
December 16, 2022
As per Coalition Against Insurance Fraud, Americans are often victimized by fraudsters, with over Read more
Is Theft a Growing Concern and How to Stay Protected if It Is
December 6, 2022
A recent report outlines that catalytic converter thefts from cars have increased by Read more
All You Need to Know About Employment Practices Liability Insurance
November 29, 2022
Employers are aware that they are accountable for the security and welfare of their staff members. But what about their legal rights? What if the employer get’s charged with...
Read moreWhat Does Thanksgiving Mean to the World of Insurance
November 21, 2022
Thanksgiving is one of the main occasions for families to get together and celebrate the holidays. However, there are a few things to consider for insurance purposes and for the...
Read moreNot Just for a Rainy Day – The Great Benefit of Umbrella Insurance
October 31, 2022
Ever since the pandemic, there has been a drastic change in how people see their insurance needs. They now care about a lot of things - something that the Insurance Information...
Read moreA (Far from Complete) List of Equipment That Small Businesses Need to Insure
October 19, 2022
Did you know that there are over Read more
Is Your Insurance Program Adequate?
October 11, 2022
If you own a business, you know what risks it is prone to. Unforeseen incidents can occur anytime, causing huge monetary losses. So, insurance is vital to protect the company's...
Read moreWhat Apartment Building Owners Must Know About Insurance
September 30, 2022
By 2035, the US will face a soaring need for around Read more
What Contractors Must Know About Professional Liability Insurance?
September 16, 2022
Did you know that 90% of businesses face...
Read moreUnderstanding Valuable Property Insurance
September 13, 2022
Is having a homeowner's insurance sufficient to cover all your assets? Surprisingly, no. Although conventional homeowner's insurance covers all the items you own, in case of loss...
Read moreWhat Is Usage-Based Insurance and Other Trending Insurance Questions?
August 31, 2022
During COVID-19, there was a drastic decrease in vehicles on the road, which raised concerns among personal and commercial vehicle owners that they were overpaying for the cover...
Read moreThe Insurance Concerns of Condo Associations
August 26, 2022
Condo association insurance offers a broad range of coverages. It typically covers the common areas - the structure of the building and the land where the condo is situated. Every...
Read moreThe Good Driver's Guide to Auto Insurance
August 17, 2022
The average expenditure on auto insurance has been rising for almost a decade now. On average, the liability Read more
How Commercial and Personal Auto Insurance Are Very Different
August 16, 2022
Before buying an insurance policy for your vehicle, it is crucial to know the difference between how commercial and personal auto insurance works. Depending on the purpose for...
Read moreSummer Series – Will We See a Searing Season of Wildfires and What Does That Mean for Insurance?
July 29, 2022
Wildfires in the US are currently a massive concern for citizens and government agencies alike. They are triggered by both natural means and human activities, leading to considerable...
Read moreSummer Series - Does Inflation Hit Your Insurance Premium?
July 25, 2022
At the time of writing, the Read more
A Quick Look at Travel Insurance Needs and Trends
July 20, 2022
Over 80% of Americans lost...
Read moreSummer Series - Does It Get Hot in the World of Insurance?
July 14, 2022
The heatwave data released by...
Read moreConnected Insurance and Other Tech-Driven Insurance Trends for the Curious-Minded
July 5, 2022
Digitalization has turned common practices on their head. People now prefer fast and instant solutions to their complex issues. Even in insurance, consumers today are more conscious...
Read moreUnderstanding NY State's Disability Insurance rules
July 1, 2022
Being seriously ill or injured during work can be emotionally and financially taxing. Some time off from work is a must in such cases. Many professionals in New York do not usually...
Read moreThings To Check in Your Home Insurance as Summer Approaches
June 20, 2022
Summer is for fun and family, for vacation, rejuvenation and to be away from the hustle and bustle of daily life. Families are out on vacation, and several homes are left unattended...
Read moreSome Insurance Considerations for Homes on the Beach
June 14, 2022
Home insurance is nothing short of essential. In the US, it has become a mandate, not by law but due to multiple factors — natural or otherwise. The tenants are required to have...
Read moreA Retail Store’s Guide to Insurance
June 4, 2022
It is safe to say that retailers face market competition a little more than other sectors. To work under such pressure and build a profitable business requires smart investment.
The automotive landscape is rapidly changing and the credit goes to autonomous vehicles, inflation, and other such factors in equal measure. This has directly affected or changed...
Read moreWhat you should look for in commercial property insurance
May 17, 2022
You might be running a business at your own property or have taken it on lease from someone. Are you worried about finding the right ways to protect the premises and your business?
It’s common to hear that insurance companies only consider their perspective and not what would benefit you. They suggest policy options that cover your basic needs but don’t...
Read moreWhy umbrella insurance makes sense even if you have other policies
April 25, 2022
Having multiple insurances is normal. You ask why?
Well, the norms are different for every instance, and being covered from...
Read moreUnderstanding Deductibles in Insurance
April 20, 2022
Insurance is a must-have for every individual or small business. Insurance offers comprehensive financial protection to safeguard your savings at the time of an emergency. However,...
Read moreThe weather events you should prepare for (and insure against)
April 19, 2022
Natural disasters affect more than 218 million people per year. And more often than...
Read moreWhat You Don't Know About Employment Practices Liability Insurance Could Hurt You
April 4, 2022
Insurance is extremely important for business owners, especially if you're new in the game. Without it, you could lose precious cash to malpractices and many other undesirable...
Read moreDon't Raise the Roof – A Homeowner's Guide to Roof Repairs
March 28, 2022
A roof is essential (well, duh!) and a good roof is a major investment designed to protect your home. Roofs must deliver worry-free and reliable performances for the long term....
Read moreIt's Time to Prepare for the 2022 Hurricane Season – Start with A Look at Insurance
March 17, 2022
Hurricanes can be devastating across levels. They cause massive damage to the environment, your home, and your property. Hurricane Harvey caused damage worth $125 billion, destroying...
Read moreGonzalez Insurance - The Difference Between Title Insurance and Property and Casualty Insurance
March 4, 2022
When you're buying a property, it’s imperative to get insurance to protect that property as well. That acts as a safety blanket, to ensure that nothing bad or undesirable that...
Read moreGonzalez Insurance – How We Go the Extra Mile to Provide Insurance Advice and Options
February 24, 2022
Insurance can be complicated if you don't know how to navigate the landscape. There are nuances that many don't understand, nor are they able to decipher what's best for them to...
Read moreHow Condo and Co-Op Insurance Is Different
February 15, 2022
The standard homeowner's policy usually covers destruction and damage to the residence's exterior and interior. It also covers the loss or theft of certain possessions and personal...
Read moreAdaptive Reuse – What Is It and How Does It Impact Commercial Buildings?
February 7, 2022
If you can thrift clothes, accessories, and other things, it isn't surprising that one can reuse old buildings, too. That is what many companies are choosing to do in a practice...
Read moreHow Small Stores Can Protect Themselves from Theft
January 14, 2022
It's been all over the news lately – smash and grab incidents to the tune of $340,000...
Read moreWhy Do Insurance Claims Get Rejected?
January 4, 2022
According to the US Department of Labor, around 14% of all submitted medical claims are rejected....
Read moreMore about Business Owners Policy coverage
December 20, 2021
A Business Owner Policy is an insurance policy that focuses on small and medium businesses and owners. It provides financial protection against perils like property damage, business...
Read moreTake A Relook At The Insurance Coverage Your Small Business Has
December 6, 2021
Owning a small business is exciting. You’re always busy with everyday challenges and new customer prospects. Small businesses also drive the country’s economy as they exist...
Read moreWill It Be a Harsh Winter, and Does That Have an Insurance Implication?
November 12, 2021
Last February, Texas saw one of its harshest winters in history. The storm that ravaged the area caused billions of dollars worth of damage and suffering. From ice, snow, freezing...
Read moreKnowing Renter’s Insurance – Obligations, Benefits, and Questions
November 8, 2021
Renter’s Insurance, also known as Tenant Insurance, is an affordable collection of Insurance covers designed to protect personal belongings, certain liabilities, and temporary...
Read moreWhat Small Businesses Must Understand About Insurance for Contractors
November 3, 2021
Steve is ecstatic as he's finally got the cash (and the will) to add that extension to complete the shop of his dreams. He calls a contractor and work begins. One of the days,...
Read moreA Primer On Commercial Auto Insurance
October 22, 2021
The commercial auto insurance market size in the United States stands at USD...
Read moreHere's Some Help For First Time Homeowners to Understand Home Insurance
October 12, 2021
31% of all homebuyers in the United States were first-time homeowners in 2020. However,...
Read moreInsurance Considerations For Fall 2021
September 28, 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...
Read moreUnderstanding Restaurant Cooking Exposures
September 24, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
According to the National Fire Protection Association (NFPA), cooking is the...
Read moreWhat Small Businesses Must Know About Unemployment Insurance
September 20, 2021
The United States has 30.7 million small businesses that employ a massive portion of the entire working population....
Read moreTHE FUTURE OF DINING
September 10, 2021
by Sue Quimby, CPCU, AU, CIC, CPIW, DAE
The COVID-19 pandemic changed the world in many ways, especially in the ways people...
Read moreDemystifying Flood Insurance
September 8, 2021
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...
Read moreThe ABC’s of Portable Fire Extinguishers
September 3, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Everyone knows that fire extinguishers are a “must have” item in homes...
Read moreSinkholes – Are They Covered?
August 30, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Twenty percent of the land in the United States is susceptible to sinkholes,...
Read moreExactly What Is And Isn't Covered By Your Car Insurance?
August 23, 2021
91.3% of households in the United States have access to at least one vehicle. The rate of car...
Read moreSecondary Residences Surge
August 20, 2021
By Sue C. Quimby, CPCU, AU, CIC, CPIW, DAE
The pandemic of 2020 was marked with significant changes to how people thought about...
Read moreWhy Some Believe It's Too Late To Take Life Insurance And Why They're Wrong
August 16, 2021
When to buy insurance can sometimes prove a tricky question to answer. Small businesses have different...
Read morePortable and Supplemental Heater Safety
August 13, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
As temperatures fall, the demand for and use of supplemental heating sources...
Read moreAn Introduction to Hold Harmless and Indemnity Agreements
August 10, 2021
Transfer of risk is a key component of most contracts. “Indemnify” and “hold harmless” are terms that are commonly seen, and often misunderstood, in contractual agreements....
Read moreHow Local Conditions Impact Home Insurance Premiums
August 9, 2021
Marty has just purchased his dream home. It took him a long time to save up and get it done. Marty feels good being a homeowner – but he needs to be a responsible one. Thus,...
Read moreRetail Store Insurance May Have Become A Bit More Complicated
August 6, 2021
Retail sales in the United States went up by 6.7% in 2020 despite the ongoing public health emergency. The...
Read moreHome Appliances – Helps or Hazards?
July 30, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Home appliances have drastically changed how people live over the last century....
Read moreWhat Is Business Interruption Coverage?
July 29, 2021
Dan had just opened up a shop of his own. He had taken a loan from the bank to open up the shop of his dreams. But none could have predicted that the next few months spelled disaster....
Read moreEquipment Breakdown – Not Just Boilers
July 23, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Equipment breakdown coverage, an often misunderstood coverage, can be an attractive...
Read moreInsurance Questions for A Long Hot Summer
July 21, 2021
Summer can be so much fun – but it can be risky business too! Along with the heat, this season brings myriad activities and purchases that ought to have their protection. But...
Read moreHow Small Businesses Can Prepare For The Post-COVID Reopening
July 20, 2021
The impact of the Covid-19 pandemic varied from one industry to the other. The United States, India, and Brazil are the top countries worst hit by the pandemic in terms of the...
Read moreDog Bite Liability
July 16, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Dog bites or dog-related costs were responsible for more than one-third of...
Read moreDo Different Insurance Considerations Apply With Remote Employees?
July 14, 2021
Technology has enabled a significant change in work cultures and models driven by the exigencies of our times. Before the pandemic, 20%...
Read moreDeciphering Debris Removal Coverage
July 9, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Debris removal coverage is an often overlooked, but very important, segment...
Read moreCondominium Conundrums
July 2, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Condominiums present special challenges to the insurance agent. Common questions...
Read moreBusiness Income Fundamentals
June 25, 2021
What Every Insurance Professional Needs to Know and Share with Policyholders
By Sue Quimby, CPCU,...
Read moreAvoiding Underinsurance Problems
June 18, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Most losses are partial losses. It may be tempting for an insured to try to...
Read moreWhat Is A Micro Business (And Does It Need Insurance)?
June 15, 2021
The most common way to define a micro business is through the number of employees in the organization. A business with 1...
Read moreAsbestos: What You Should Know
June 11, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Asbestos is a group of naturally occurring minerals. Mined since the 1800’s,...
Read moreA Note for the Small Businesses Killing It as Amazon Sellers
June 10, 2021
- Over 1.9 million US businesses sell their wares on Amazon.
- In 2019, 58%...Read more
Why Cyber Security Insurance is Essential for Small Businesses
June 8, 2021
Does your small business accept digital payments? Do you use mobile devices for your work? How about computers? If you’ve answered ‘yes’ to any of these questions, you may...
Read moreAlternate Valuation Considerations
June 4, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Proper building valuation is a common concern for agents and their insureds....
Read moreSome Cash Flow Management Tips For Small Businesses
June 3, 2021
Cash flow management questions keep cropping up for small businesses. It’s a fact of life that many small businesses fail to keep enough cash reserves. This hurts them when it...
Read moreA Roof Over Your Head
May 27, 2021
By Sue Quimby, CPCU, AU, CIC, CPIW, DAE
Having a roof over your head is one of life’s basic necessities. While essential,...
Read moreA Liability Insurance Primer for Small Businesses
April 27, 2021
Small businesses often tend to ignore the need for insurance due to the...
Read moreWhat Commercial Building Owners must look for in their Insurance Providers?
April 19, 2021
Various internal and external sources of risks can cause significant damage to business operations. One significant investment businesses incur is real estate. The office or other...
Read moreWhat Tech Start-ups must know about Insurance?
April 9, 2021
The United States is the largest tech market globally with presumed market size of $1.6 Trillion in 2019. Disruption is a fact of life here and startups come and go at a dizzying...
Read moreInsurance Considerations to Focus On In Light Of The Recent Winter Storms
March 25, 2021
The images linger in our memory of the streets of Dallas covered in snow after a raging winter storm slammed the city. Images of snowed-in shops and stark-white streets filled...
Read moreWhat Amazon's Small Merchants Must Know About Insurance
March 23, 2021
Are you looking to become a professional merchant on Amazon? Then you’ll need insurance. This may come as a surprise to many but Amazon requires their sellers – big or small...
Read moreWhy Small Businesses Avoid The Insurance Question (But Shouldn’t)
March 12, 2021
What is the first thing that comes to your mind when you think about business insurance?
For many small business owners,...
Read moreThe Workers’ Compensation Questions Small Businesses Must Answer
February 19, 2021
Did you know that in 2019 alone, there were 888,220...
Read moreUnderstanding the Wide Scope of Employment Practices Liability Insurance
February 15, 2021
We’d all like to believe that our employees reflect the scruples of our companies. Sadly, employees will sometimes conduct themselves in ways that go against corporate and even...
Read moreIs Fraud Increasing In Worker’s Compensation And Does it matter To Your Business?
February 10, 2021
According to the National Insurance Crime Bureau, fraudulent claims in worker’s compensation may amount to Read more
Taking A Look At Retail Store Insurance From Our Perspective
February 5, 2021
US retail stores achieved a profit of $6 trillion in 2018. And there were about 3,100 more stores at the end of the year than in 2017. While the events of 2020 presented challenges...
Read moreThe Insurance Needs Of Small General Contractors And Home-Improvement Service Providers
February 1, 2021
General contractors carry out small and large construction projects from scratch to completion. They work on building sites, single-family homes, and more complex construction...
Read moreHome business owners must know this about insurance.
January 27, 2021
Unfortunately, home-based business insurance is often neglected. Numerous people own their own homes and expect that their home insurance will cover their home-based businesses....
Read moreWhy Higher Liability Limits Are Better Than Lower?
January 13, 2021
Some risks cannot be measured, and the only apt strategy is to be prepared all the same.
When talking about business...
Read moreSmall Business Insurance Is About More Than Damage Management
December 28, 2020
In 2017, about Read more
What Landlords Must Know About ‘Discrimination Claims’
December 28, 2020
Being a landlord is not easy!
Besides ensuring tenants are available and that they pay the rent on time and that the property...
Read moreWhy Food Trucks Must Have Insurance On The Menu
December 28, 2020
The pandemic has hit every industry, more or less. But the maximum damage was probably suffered by the restaurant and hospitality sector, including food trucks.
The digital-driven market is ever-expanding and will continue to do so. It will not be wrong to say that the pandemic would have had devastating effects on the human psyche,...
Read moreCan Insurance Help Small Businesses Grow?
December 4, 2020
“Don’t be afraid to give up the good to go for the great.” – John D. Rockefeller, industrialist and philanthropist
Are...
Read moreInsurance Has An Unexpected Seat At The Thanksgiving Table
November 20, 2020
We don’t mean to spread doom and gloom but the way 2020 has gone, it’s a good idea to be prepared at all times.
No one...
Read moreWinter Is Coming - Is Your Insurance In Place?
November 5, 2020
Winter storms caused insured losses of $2.1 billion ...
Read moreWhat Auto Repair Shops Must Know About Insurance
October 31, 2020
The more vehicles that are registered, the more demand there will be for maintenance and repair services. But as an auto repair shop owner, one must be aware of the risks to overcome...
Read moreHow Can A Small Business Evaluate A Recommended Insurance Package?
October 23, 2020
There is no denying that investing in a suitable insurance package will never go waste.
About Read more
Your Employment Practices Liability Insurance Primer
October 10, 2020
Running a business is risky, no doubt, but the risks are not only in market conditions.
As a business owner, you should...
Read moreWhat Small Businesses Must Know About Environmental And Pollution Coverage
September 21, 2020
Awareness of the environmental responsibility of businesses is increasing, thanks to the efforts of industry leaders and influencers. The social and environmentally responsible...
Read moreThe Quick Guide To Buying Suitable ‘Retail Store Insurance’
September 16, 2020
The US economy has an important dependence on retail business, and the entire country realized this fact over the last few months. As retail establishments started slowly emerging...
Read moreHow Our Experience Makes Us Draw Up Much Better Condo Insurance Policies
August 21, 2020
There’s no denying that a lot of confusion exists regarding condo insurance policies. Sadly, these are often misinterpreted by unit dwellers, as well as property managers. But...
Read more3 Essential Coverages We Recommend To All Apartment Building Owners
August 12, 2020
Building owners in the US, whether they own apartment complexes or single buildings, face several financial and other risks that can be reduced by insurance coverages. According...
Read moreWhat Insurers Don’t Know About The Trials And Tribulations Of Owning Property
July 31, 2020
We buy a property to dwell in with your family, or for commercial benefit. Either way, we have to take care of the financial and other risks pre and post-purchase to make the most...
Read moreWhat Small Businesses Must Know About “Business Interruption Insurance”
July 20, 2020
What happens if your work location gets damaged due to a hurricane or a fire? Your building insurance will cover for the damages, of course, but what about the disruption in business...
Read moreWhat Are Some Insurance Considerations For Service-Oriented Businesses?
July 10, 2020
Americans are extremely aware of the importance of insurance in their lives and businesses. According to a report by Read more
5 Examples To Demonstrate The Great Value Of Insurance
May 13, 2020
The insurance industry in the US has always been pivotal to consistent economic growth. According to Read more
How To Decide The Amount Of Coverage You Should Purchase
May 12, 2020
Insurance is a silent promise to cover your losses during an unplanned crisis when your savings or other financial means aren’t enough for the same. You can also purchase insurance...
Read moreJust What Should You Cover With ‘Valuable Property’ Insurance?
April 27, 2020
Have you ever faced a situation where you misplace or damage a valuable item in your possession, only to find out that it’s not covered in your homeowner’s policy? God forbid...
Read more10 Things You Should Know About Workers’ Compensation Coverage
April 19, 2020
Being a business owner, you must already be aware of the importance of different insurance types, some of which may be mandatory in your state. In difficult times, a successful...
Read moreDo You Need Insurance if Your Equipment Is Covered By A Warranty?
April 2, 2020
Companies rely on many tools and equipment to run seamlessly and generate revenue continuously. In that scenario, one of the primary responsibilities of the business owners is...
Read moreHow To Maximize The Chances of Your Claims Getting Approved
March 14, 2020
Although accidents are rare, they are a part of the game, which is why we have insurance. Whether it’s a burglary on a night you weren’t at home, a sudden illness, or a random...
Read moreWhat Small Businesses Should Do To Combat Any Impact of The Coronavirus
March 10, 2020
The global chaos that the coronavirus seems to be generating, not only affects public health but also small businesses. The situation in the USA is still fluid (and confusing)...
Read moreTop 6 Reasons Small Businesses Should Get Insurance
February 15, 2020
Driving even a small business requires a lot of planning and preparation, whether it’s delivering skilled services or selling goods through a physical storefront. As the business...
Read moreHome business owners must know this about insurance.
January 19, 2020
Unfortunately, home-based business insurance is often neglected. Numerous people own their own homes and expect that their home insurance will cover their home-based businesses....
Read more5 risks your small business may not be insured against
December 30, 2019
Small businesses are unique in various ways. Risk-taking is inherent in entrepreneurship. But as they say, taking too many risks can be costly. Small business owners must be aware...
Read moreThe insurance implications of our winter
December 20, 2019
The cold winters bring in a unique set of difficulties. While this is true for all of us, there is a special challenge for small businesses that depend on their ability to sell...
Read moreOur key takeaways from Forrester’s “Emerging Risks Transform Small Business Insurance.”
November 28, 2019
The 21st century has seen rapid technological progression at unmatched speed. A considerable part of human life has been digitized. This has changed practically every industry...
Read moreWhy that big brand insurance might not be right for you
November 1, 2019
Contrary to popular belief, the best insurance, whether it's for your home or your small business, is not the one that's the most expensive but rather the one that provides cover...
Read moreSome Thoughts On The Insurance Needs Of Small Restaurants and Bakeries
October 27, 2019
Building a business requires a lot of determination, hard work, and some luck as you take steps in the right direction. When planning to open a new food business, be it a restaurant...
Read more9 insurance terms and what they mean (small business edition)
October 20, 2019
Starting a business involves risk. But when something unexpected happens, having business insurance can be the difference between your business surviving or going under.
There are numerous challenges involved in running a pharmacy business. Distributing medicines and drugs carries some risk. A minute mistake can result in health issues for the...
Read moreWhat is umbrella insurance? Why you should care!
October 6, 2019
Umbrella insurance is secondary insurance coverage that covers liability over and above the standard liability cover taken on other policies like the homeowner or other small business...
Read more5 things your home insurance probably doesn’t cover
August 13, 2019
When it comes to insurance, people often shy away from getting down to the fine print and details because they assume that it is a tedious and cumbersome process. While reading...
Read moreThe most common reasons why your car insurance claim may get rejected
July 28, 2019
In 2016, there were well over 268 million registered vehicles and over 220 million licensed drivers on US roads. Out of these, several hundred thousand got into crashes. In 2016 alone,...
Read moreWhat the hurricane season means to insurance
July 23, 2019
With Barry just blowing itself out and as many as 8 hurricanes forecast for 2019, hurricane season is obviously a big deal for all of us on the East Coast. With major systems of...
Read more5 most common complaints homeowners have with insurance companies
June 29, 2019
Ok, we admit. Insurance is tough to like or appreciate for most people. It's not something you may necessarily want to spend on, especially regularly. But on the other hand, if...
Read moreHow to prevent the most common water claim issues?
June 16, 2019
Did you know that according to ISO, water damage claims are the second largest and most frequent claim? It's also one of the most expensive claims. Water damage is bad news and...
Read moreKnow More about Employment Practices Liability and Why You May Need It?
June 3, 2019
Employment practices liability is a type of insurance that renders coverage to employers against claims made by employees alleging harassment, wrongful termination, discrimination,...
Read moreAll You Need to Know about Insurance and Tax
May 31, 2019
Life is unpredictable. One moment everything could be smooth-sailing but everything could fall apart the next moment. And while we can’t avoid such situations, we can safeguard...
Read moreAll the insurance a condo could need
May 30, 2019
Thinking about getting your condo insured? We've got you Read more
5 things you must fully understand about your homeowner’s insurance policy
May 19, 2019
Insurance is security. It allows you to secure what matters such as assets, finances, health, and even your loved ones. Insurance companies offer you the coverage that protects...
Read more5 Things to consider when it’s time to renew your insurance policy
May 2, 2019
While renewing your insurance may seem like a fairly straightforward process, and it usually is, there are definitely some complexities to factor in. Read on to know more!
Buying a home is a significant milestone in the life of most people. It's probably the most substantial sum of money most of us invest. However, with this blissful feeling also...
Read moreWhy 'Business Income Coverage' may be the most important insurance coverage you haven't considered yet (but you must!)
April 15, 2019
You probably know that business income is the net income that includes your net profit or loss before calculating the taxes. You would factor in all your revenues on one side and,...
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Flooding Can Occur Anywhere – Are You Prepared?
June 30, 2015
During Hurricane Sandy, over 1.58 million claims were filed to cover the costs of damage to homes, commercial businesses, and other property. 1.58 million is hard to picture, so let’s just take a...
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The Often-Misunderstood Insurance Clause That Could Cost You $20,000 (Or More)
June 30, 2015
The co-insurance clause in your building policy is one of the most misunderstood features among apartment building owners – and not understanding it could cost you tens of thousands of dollars. This...
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Tenant Discrimination – What CAN’T You Be Sued For?
June 30, 2015
Unfortunately, the answer is: pretty much nothing. Most landlords are completely unaware that they can be sued for a variety of “discrimination claims,” many of which will be without any basis in...
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Building Ordinance Coverage – What It Is and Why You Need It
June 30, 2015
Let’s say you own a property that suffered extreme damage – enough that you’re going to need to rebuild or at least repair extensively. (We hope this doesn’t happen, but unexpected catastrophes...
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