Why Insurance?

As the weather gets colder and COVID continues to play havoc on our economy, it’s tempting for businesses to let their insurance lapse or cancel.  Running a business comes with risks: A client could file suit against the insured; an employee could get injured while on the job; or an accident or natural disaster could…

Details

Ice, Ice Baby!

Disclaimer: This article is intended for general information purposes only.  The information contained is not intended to constitute and should not be considered legal or professional advice, nor does it represent that coverage does or does not exist for any particular claim or loss under any policy. *Claims settlements vary depending on the company and…

Details

SPOT to be Discontinued, Eff 2/01/21

Over the years, we have prided ourselves in using technology to provide the best service to our agency partners.  One item in particular is our online rating tool known as SPOT (Specialty Premium Online Tool).  SPOT was originally launched with mono-line general liability coverage with a goal to incorporate additional product lines such as property…

Details

Spreading Christmas Cheer to Those in Need!

Well, our 2020 Toys for Tots and Food Shelf campaigns were a success once again! In spite having to collect virtually and relying on socially distanced giving, our E&L team rocked it! We collected over 50 toys AND $1,880 in CASH for Toys for Tots. In addition to that, we donated 3 grocery bags of…

Details

Don’t Let Them Steal Your Clients’ Peace of Mind!

Some carriers require a central burglar alarm system in order to provide Theft Coverage, and may warrant it on their policies. When an alarm is activated, it sends a silent alert to a monitoring service that notifies the local police or sheriff’s department who responds immediately. Their quick arrival to the business may even prevent a theft…

Details

Let It Snow…Let It Snow…Let It Snow…

Ready or not – Winter is on the way!  Make sure your snow removal contractors are protected. Every year, people are injured when they slip & fall on icy or snowy parking lots and sidewalks.  Below are a few steps your insured can take to reduce the chance of being held negligent or legally liable…

Details

When the Bark is Not Worse Than the Bite!

Sometimes dogs and children don’t mix well together. One of those instances is in-home day cares. Dogs may feel threatened when children they aren’t familiar with enter their living space. Dogs can be eye-level with small children, and the temptation may be too great for dogs to lash out at them. A child can get excited seeing a dog…

Details

Cleaning is Trending Right Now!

    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…

Details

Commercial Property

    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…

Details