Unlock the mysteries of insurance premiums with our ‘Premium Explained’ category. This dedicated space breaks down the complexities behind premium calculations, shedding light on the factors that influence your insurance costs. From understanding rate adjustments and risk assessments to exploring discounts and savings strategies, ‘Premium Explained empowers you with the knowledge to navigate your insurance options more effectively. Whether you’re a personal policyholder or a business owner, our expert insights help you make sense of premiums, ensuring you’re well-equipped to make informed decisions about your insurance coverage.
When it comes to workers’ compensation insurance, there are many factors that go into calculating the cost you pay. Insurance companies want to understand the exposure on their end and you want to know why you pay what you do,…
If you deal with workers’ compensation – this one’s for you! Workers’ compensation insurance is crucial in protecting employees in the event of workplace injuries or illnesses. The Experience Modification Factor (EMF) is one of the most important concepts for…
Insurance policies are SKYROCKETING! Here’s what to do if your insurance policy increases Most businesses battled increased costs in 2022. Inflation of goods and services contributed to rising prices and was the culprit of a squeeze on the bottom line…
Thank you for visiting our BLOG and learning about 5 ways to save on general liability insurance for your business! Please also remember to watch our video below for helpful saving tips! I have the pleasure of speaking to business…
Here is a question for all of the business owners watching this video. What is more important when reviewing your business insurance costs? 1) The insurance PREMIUM, or 2) The insurance RATE If you answered 2), the insurance RATE, you…
As the commercial auto insurance marketplace continues to harden, small business owners must understand ways to save on their auto insurance policy. Although we expect business auto insurance premiums to level out or potentially decrease starting in 2022, Mike Fusco…
You have a plumbing company; or, you are starting a plumbing business. You realize you can’t service all of your clients alone as you grow. Naturally, you begin to consider hiring, whether it’s your first employee or adding to the…
If you’re in the construction industry, you expect to receive a certificate of insurance requests on your contractor’s liability policy often. In some cases, you will receive a request for a waiver of subrogation endorsement on your general liability policy.…
Restaurant insurance is essential to the day-to-day operations of your establishment. A quality restaurant policy, such as a business owner’s policy (BOP) or commercial package policy, will protect your business in the event of a loss. Restaurant insurance policies often…
Here’s a frequently asked question: What is the cost of a workers’ compensation waiver of subrogation? The answer isn’t straightforward since insurance companies charge for their work comp waiver of subrogation (WOS) endorsements differently. Read on to learn more! BLANKET…
