Hit A Risk Management Home Run!  A Baseball Parable

Hit A Risk Management Home Run! A Baseball Parable

Imagine you’re at a major league baseball stadium, and there are 100 bats next to the batter’s box. Some of the bats appear far better in terms of quality, and far more likely to successfully be used. Other bats appear older, worn, and less appealing. The deal is, if...
Why Certificates Of Insurance Mean NOTHING.

Why Certificates Of Insurance Mean NOTHING.

If you want to know why certificates of insurance mean absolutely nothing, just read the two little disclaimers right at the top of the Acord form that state: Disclaimer #1: “This certificate is issued as a matter of information only and confers no rights upon...
Forming New Entities?  Risk Management Tips!!!

Forming New Entities? Risk Management Tips!!!

Here are a few risk management tips to consider when forming new business entities. Often business owners choose to form new entities because they believe it will reduce their overall liability, save on insurance costs, a portion of their current operations is very...
The Danger Of Manuscript Policy Endorsements

The Danger Of Manuscript Policy Endorsements

This article is short, simple, and super helpful for avoiding the pitfalls often created by manuscript insurance policy endorsements. The Insurance Services Office (ISO) writes insurance policy forms that the majority of insurers either use directly or at least...
How To Save A Pile On Your Commercial Insurance

How To Save A Pile On Your Commercial Insurance

Let’s be real, shopping your commercial insurance is not a fun process. There are limitless questionnaires and applications, deciding which agency(ies) will quote your business, and then once you have invested all that time you have to figure out which quote is...
OCIP, CCIP, Wrap-Up Insurance:  Is It A Good Idea?

OCIP, CCIP, Wrap-Up Insurance: Is It A Good Idea?

For those who may be unfamiliar with OCIPs (Owner Controlled Insurance Program), the concept is quite simple. Instead of having subcontractors bring along their own liability insurance to a given construction project (usually a large-scale project), a general...
Choosing The Best Commercial Insurance Agent

Choosing The Best Commercial Insurance Agent

How do you choose the best commercial insurance agent to represent your business? Having the right person representing your business in the insurance marketplace is critical. Your business will either be benefitted by or limited to, or a mixture of both, the strength...