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Insurance Design & Placement, Inc. Blog: property policies

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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 >>

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 >>

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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