With the current labor shortage, contractors and contracting companies are backlogged. Homeowners with plumbing, electrical, and construction needs are being told it will take months to get a someone in. Because of this, many homeowners have turned to social media to recruit a skilled laborer. Hopefully one who can perform the work sooner than those companies already contacted. However, […]

The Importance of Hiring Properly Insured Contractors to Work on Your Home

October 1, 2021

Alison Williams

The Importance of Hiring Properly Insured Contractors to Work on Your Home

Non-profit organizations are legal entities that aim to provide social benefits in some form. As a non-profit organization, you must be separate from the government and should not generate profits that provide personal benefit to any of the organization’s directors, officers, or other members. Because you provide benefits to society, nonprofit organizations are often considered […]

8 Common Risks to Watch For When Insuring Your Non-Profit Organization

September 8, 2021

General Insurance Services

8 Common Risks To Watch For When Insuring Non-Profit Organizations

Our business clients often ask us what the difference is between general liability and professional liability insurance. This is an important question because each policy provides different coverage and you need to know which one—if not both—is applicable to your business. By understanding the differences, you can ensure you are managing the appropriate risks for […]

What's the Difference between General Liability and Professional Liability

August 27, 2021

Nicole Van Duyn

What’s the Difference between General Liability and Professional Liability Insurance?

Workers’ compensation requirements vary between states, but most policies include a premium audit. The audit is required because premiums are typically paid up front based on estimated payroll dollars at the beginning of the policy period. The auditing process is designed to then verify these estimates at the end of the year and make adjustments […]

Preparing Your Workers' Compensation Premium Audit

August 9, 2021

Alison Williams

Preparing for Your Workers’ Compensation Premium Audit

COVID-19 taught us the value of having a plan in place when life hits us with the unexpected. Whether or not that was the case for your business, now is the perfect time to reflect on what worked for your team throughout the pandemic, what didn’t, and how you can improve the next time you […]

The Importance of Business Continuity Planning

June 7, 2021

Nicole Van Duyn

The Importance of Business Continuity Planning

As a restaurant owner, you are a passionate entrepreneur who invests your time, money and talent into managing your business. The process of insuring your restaurant, however, is probably not on your list of favorite things to do. While you are a successful at delivering exceptional food and service to your customers, the hospitality industry […]

10 Common Risks to Watch for When Insuring a Restaurant

May 20, 2021

General Insurance Services

10 Common Risks to Watch for When Insuring a Restaurant

The purpose of liquor liability insurance is to protect businesses against lawsuits and other financial liabilities levied against them related to liquor. These lawsuits and financial liabilities typically arise from an intoxicated person who was served alcohol at the establishment of the insured and who has suffered bodily injuries or property damage as a result. […]

What is Liquor Liability Insurance

May 5, 2021

Nicole Van Duyn

What is Liquor Liability Insurance?

Directors and officers are responsible for making the tough choices that can make—or break—a company’s fortunes. In doing so, they must consider the best interests of employees, customers, and shareholders while also keeping in mind corporate best practices. Limited or imperfect information and tight deadlines add to the overall complexity of the decision-making process and […]

How COVID-19 Impacted D&O Insurance

April 29, 2021

Mark Behrendt

How COVID-19 Impacted D&O Insurance

Your workers’ compensation premium is determined by three things: Payroll Class code Experience modification factor Payroll dollars and your industry class code are concrete factors that you generally can’t change. The experience modification factor, however, is something you can actively work to reduce to achieve a better premium. How is the Experience Modification Factor Calculated? […]

The Workers' Compensation Experience Modification Factor

March 24, 2021

David Gately

The Workers’ Compensation Experience Modification Factor

Optimism is the fuel that drives the entrepreneurial spirit, so it isn’t surprising that most small business owners consider themselves optimists. Too much optimism, however, can get a small business owner into trouble. A business plan built solely on the “best case scenario” is like a house of cards, one gust of wind—or fire or […]

Top 10 Threats to Small Businesses

July 9, 2020

Elizabeth Johnson

Top 10 Threats to Small Businesses