A Primer On Commercial Auto Insurance

October 22, 2021

The commercial auto insurance market size in the United States stands at USD...

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Here'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,...

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Insurance 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...

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Understanding 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...

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What 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....

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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...

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Demystifying 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...

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The 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...

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Sinkholes – 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,...

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Exactly 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...

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Secondary 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...

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Why 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...

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Portable 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...

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An 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....

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How 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,...

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Retail 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...

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Home 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....

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What 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....

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Equipment 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...

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Insurance 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...

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How 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...

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Dog 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...

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Do 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%...

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Deciphering 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...

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Condominium Conundrums

July 2, 2021

By Sue Quimby, CPCU, AU, CIC, CPIW, DAE

Condominiums present special challenges to the insurance agent. Common questions...

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Business Income Fundamentals

June 25, 2021

What Every Insurance Professional Needs to Know and Share with Policyholders

By Sue Quimby, CPCU,...

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Avoiding 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...

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What 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...

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Asbestos: 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,...

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A Note for the Small Businesses Killing It as Amazon Sellers

June 10, 2021

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...

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Alternate 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....

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Some 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...

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A 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,...

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A Liability Insurance Primer for Small Businesses

April 27, 2021

Small businesses often tend to ignore the need for insurance due to the...

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What 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...

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What 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...

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Insurance 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...

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What 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...

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Why 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,...

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The Workers’ Compensation Questions Small Businesses Must Answer

February 19, 2021

Did you know that in 2019 alone, there were 888,220...

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Understanding 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...

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Is 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...

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The 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...

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Home 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....

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Why 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...

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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...

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Why 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,...

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Can 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


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Insurance 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...

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Winter Is Coming - Is Your Insurance In Place?

November 5, 2020

Winter storms caused insured losses of $2.1 billion ...

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What 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...

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How 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...

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What 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...

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The 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...

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How 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...

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3 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...

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What 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...

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What 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...

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What 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...

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Just 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...

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10 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...

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Do 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...

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How 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...

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What 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)...

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Top 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...

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Home 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....

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5 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...

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The 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...

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Our 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...

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Why 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...

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Some 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...

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9 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...

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What 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...

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5 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...

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The 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,...

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What 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...

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5 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...

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How 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...

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Know 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,...

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All 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...

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All 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...

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5 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...

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Why '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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