There are many cleaning businesses in a variety of industries. They need to carry commercial insurance for their operations, and we can help! Here are some examples of cleaning operations we have written: Janitorial Services Street Cleaning Sewer Cleaning * Septic Tank Systems Cleaning * Cleaning Outside Surfaces of Buildings Chimney Cleaning * Window…
The Commercial Property coverages you select for your clients can have a large impact on the settlement of a claim. The broadest Cause of Loss is Special Form as opposed to Basic or Broad. The valuation of Replacement Cost (RC) vs Actual Cash Value (ACV) is another important decision. While you want to…
Erickson-Larsen, Inc. and Bjornson/Sentinel-E&L takes great pride in remaining a strong independent and family owned operation in the Upper Midwest. We value your business and want to share an announcement regarding the operation of our Madison, WI location. Going forward, we are happy to announce the staff previously located in our Madison, WI office have…
Greetings from Erickson-Larsen, Inc. and Bjornson/Sentinel-E&L. Please take a moment to listening to our President, Jennifer Larsen give an announcement on the operations of E&L during the COVID-19 pandemic as of March 24, 2020. Visit our website at: www.ericksonlarseninc.com Disclaimer: This post is intended for general information purposes only. The information contained is not intended…
A properly-maintained fire suppression system is an important part of any commercial kitchen’s equipment if they have grills or deep-fat fryers. Cooking releases grease into the air, and it collects on surfaces which can spread an open flame quickly. Just one of many suppression system manufacturers is ANSUL, a term used to describe a variety…
Most property insurance policies contain a coinsurance provision. This provision requires the insured to insure their covered property up to a specific percentage of the total value (normally 80%, 90% or 100%). If your insured does not carry adequate property limits, they could be underinsured and in for a most unpleasant surprise called a Coinsurance…
Lessor’s Risk Liability is an important part of a building owner’s insurance package if they lease space to others. Tenants need to carry commercial liability for their operations. However, their policy won’t protect the building owner for claims not involving the tenant. There are many types of incidents that could occur such as tripping and…
An Additional Insured Clause can be an important part of your Commercial General Liability Insurance. If you hire independent contractors / subcontractors to do work for you, your business should be added as an Additional Insured with Waiver of Subrogation to their Commercial General Liability. A few examples are: Construction General Contractors hire independents for…
There are some unique things to consider when insuring Beauty Salon clients. Are they the salon owner or an independent contractor (booth renter)? Do they have employees? Are the employees part-time or full-time? What kinds of services do they provide? Are they hair stylists, massage therapists, nail technicians, electrologists etc…? What kind of equipment does…
The construction industry is in full swing and new townhomes, condos, and tract homes are going up everywhere! Why then, do so many insurance companies either limit the number of townhomes, condo’s or tract homes your contractor can work on, or decline to write a General Liability policy for them outright? The answer of course…