A 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,...
Read more
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...
Read more
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...
Read more
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...
Read more