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According to Hartford Insurance, 59% of all restaurant building fires are caused by cooking.  The presence of deep fat fryers increases this likelihood by 9%.  The best procedures to prevent or decrease the severity of such a fire is actually part of the underwriting information we provide to your insurance carrier in order to write your policy. READ MORE >>

  Electrical fires are one of the top five causes of commercial building fires.  Causes of electrical fires are damaged wiring on equipment, damaged outlets, and overloaded outlets.    CONDUCT ANNUAL INSPECTION- equipment and outlets should be inspected for frayed loose wires. READ MORE >>

In the insurance industry older buildings are generally seen as liabilities.  However, for some business owners older buildings are an asset or, at least, a part of everyday life.  Many trusts and estates inherit older buildings, some businesses choose to be located in older buildings for decreased costs of rent or for the added ambiance for their clientele. READ MORE >>

Property owners exposures are ramped up during the winter in most states.  Both cold and possible precipitation increase the likelihood of outside slip and fall, fire, and water damage.  Moreover, the holidays increase the number of visitors to these sites and thereby increase the internal slip and falls and theft possibilities as well. READ MORE >>

Whether its Black Friday, Small Business Saturday, or Cyber Monday a good majority of businesses have amped up their promotions this month in anticipation or hopes of winning a percentage of the annual uptake in spending. READ MORE >>

Deciding and distinguishing between employees and independent contractors is key for many small business decisions including deciding rate of pay, overtime pay, and whether benefits may be available to the worker.  This distinction also affects several small business risk and small business insurance related decisions. READ MORE >>

Halloween marks the start of a three months of celebrations, special events, and fundraisers.  If your nonprofit or  small business is considering a holiday party or other special event during this season, here are some key safety tips to consider. READ MORE >>

Your small business property insurance policy contains provisions which specify how a first party property damage loss will be valued.  Generally the two manners of valuing the loss are replacement cost and actual cash value (ACV).   READ MORE >>

The general liability insurance policy for your small business will likely include bodily injury, property damage, personal injury, and advertising liability coverage.  Because these are liability coverages, the adjuster will investigate whether your actions resulted in resulted in damage to another party. READ MORE >>

Sometimes knowing what you do not have is just as important as knowing what you do have.  When it comes to small business insurance not all damage to your property is covered.  There are three methods of covering property: Special, Broad, and Basic. READ MORE >>

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