How Can I Save Money on My Business Insurance?

Small business owner using smartphone calculator to determine insurance payment and budget

Let’s face it, most people want value when purchasing something. Whether that is a safe and reliable vehicle at an affordable price, quality craftsmanship in remodeling your home (without breaking the bank) or your business insurance package – quality and price are important.  So you may be wondering, how can I keep my insurance premiums […]

COVID-19 Updates and Agency Accessibility

Molecular Structure of a Coronavirus

Coronavirus Updates – Office Closures and Accessibility COVID-19 is presenting historic challenges for all citizens of the world and we are here ready to help.  While executive actions have been taken to reduce the spread of the virus, we understand that this has directly impacted the individuals and businesses who have placed their trust in […]

The Dangers of Misclassifying Employees on Workers Compensation

A physical therapist applying tape to injured employee at physical therapy appointment

One of the most common workers’ compensation premium fraud schemes occur when business owners intentionally misclassify their employees as independent contractors or subcontractors.  This is typically done to reduce not only their insurance premiums but also reduces or eliminates employee expenses such as: Workers Compensation Taxes (Social Security, Medicare, Federal & State unemployment, etc) Employee […]

What is Cyber Liability?

a night-time photograph of an actor depicting a cyber criminal.

Does your business have a cyber exposure? YES!  Let’s jump right to the point; every business has a need for Cyber Liability.  More than ever, we are seeing these cybercriminals targeting small businesses.  Although you may think of the big companies such as Sony, Target or Home Depot in recent years, it is now small mom-and-pop […]

Who’s the Boss After a Loss?

Night time photograph of a sedan tail light with the city lights in the background

Your Duties After a Loss As insurance professionals, we’re in the business to pay claims.  After all, that is why individuals, families and business owners invest money each year – to manage the risks that face them.  An insurance policy is called a “conditional contract”.  This means that if the insured does X , the insurer will do […]

Clarifying New OSHA Record-keeping Requirements: Employers Must Electronically Submit 300A Data

commercial construction crew working on solar panels outdoors on cold, rainy day

Clarifying New OSHA Record-keeping Requirements: Employers Must Electronically Submit 300A Data Recently, the Trump administration along with OSHA has made the decision to roll back part of their Improve Tracking of Workplace Injuries and Illnesses final rule.  With this change, employers no longer need to electronically submit the 300 or 301 forms but must still comply with […]