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What Is Coinsurance for Commercial Property or Homeowners Insurance?

In regards to Commercial Property or Homeowners Insurance, coinsurance is a bit of a misnomer. In health insurance, it means you are literally coinsuring part of each claim up to a certain dollar

Everything You Need to Know About Insuring Restaurants in Alabama

Shopping for restaurant insurance in Alabama is challenging if you don't first know your exposures.  There are many different types of insurance available, but it's easy to get overwhelmed when you

How to Manage the 3 Most Common Risks Faced by Every Business

If you own a business or are an executive or CFO for a company or non-profit, then you understand what we mean by business risk. We do believe there are three common categories of risk faced by

How to Select the Right Insurance Agent

1. What is your experience? 2. Have you (or anyone on your direct team) written exposures similar to mine? 3. Which carriers will you be quoting? 4. If you get a better quote with a carrier that

Top 2 Business Insurance Shopping Mistakes

In the video, I tell the story of a client who left me a few years ago for a "better policy" and "lower rate".  That turned out to be almost disastrous (thank goodness there was not a claim).  The

How to Easily Read Your Insurance Policies and Discover Coverage Gaps

Insurance policies are written by lawyers, so naturally, they are IMPOSSIBLE to read!!! Until now..... Once you understand the basic format of commercial and personal insurance policies, then you'll

What Type of Insurance Does Your Business Need?

When you own a business, there are a lot of risks to worry about and all the different types of business insurance can be complicated and overwhelming to navigate. In many cases, a Business Owners

4 Easy Ways to Save Home & Auto Insurance Costs without Sacrificing Coverage

Below is a list of four easy strategies you can implement to save money on your home & auto insurance costs right away without giving up valuable insurance coverage.  When shopping insurance,

10 Spooky Exclusions Lurking in Your Business Insurance Policies

The phone rings. It's your Human Resources Director calling to inform you that 12 employees have filed a lawsuit against the company for "Wage and Hour" mishandling under the Fair Labor Standards

Ultimate Guide to Buying the Right Comprehensive Business Insurance (and Saving Money)

When you are growing a business, there are a lot of risks involved. Shopping all lines of comprehensive business insurance is complicated. Your business has plenty of risks in need of protection,