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Insurance, decoded.

Plain-English articles on coverage, claims, risk management and the fine print, written by people who read insurance policies for a living.

CGL Commercial General Liability · Sep 18, 2014

Someone has to be responsible…

Often times our prospective clients tell: – “I wouldn’t worry about this…” or “I wouldn’t worry about that particular issue with my…Read more →
CGL Commercial General Liability · Jul 17, 2014

Insurance for Daycare and Preschool

We offer coverage for residential and non-residential day care facilities for infants to kindergarten age children, and after-school child care through Grade…Read more →
Bad Insurance News · Jul 9, 2014

Report: New Emerging Risks

Swiss Re has released a report – ”New emerging risk insights,” which is based on the reinsurer’s SONAR process, described as a…Read more →
Coverage · May 16, 2014

Environmental Claims Part 2: Examples that Can Lead to a Loss

In first part of this article series, we described claims scenarios that can result from your known and unknown environmental exposures. Because it’s often…Read more →
Coverage · Mar 23, 2014

Product Recall Insurance Explained

Product Recall Insurance Explained Product Recall History and Overview The coverage has been around since the 80’s  of  XX’s Century. The first type…Read more →
Certificate of Insurance · Mar 12, 2014

Meat Tenderizer Safety

A meat tenderizer is used in nearly every grocery store, and when used properly, they are safe and reliable. But when a…Read more →
Commerical Auto · Dec 31, 2013

Managing use of Non-Owned Personal Vehicles

Many small businesses and other organizations furnish company owned vehicles for transportation needs including trucks, vans, buses and automobiles. However, it is not…Read more →
CGL Commercial General Liability · Dec 26, 2013

Negative Review and Freedom of Speech

Are you buying a fair amount of goods or services online and sometimes wish to leave a negative review? Do you always…Read more →
Admitted Insurance Company · Dec 24, 2013

Commercial Kitchen Fire Safety

Operation of a commercial grade kitchen, many safety considerations should be addressed, including food safety, employee and volunteer safety, and fire safety.…Read more →
CGL Commercial General Liability · Dec 10, 2013

Candle Safety

According to Underwriters Laboratories (UL): “Fire statistics show that one out of every three candle fires occurred when candles were left unattended or…Read more →
Additional Insured · Dec 6, 2013

Tips for avoiding slip, trip and fall accidents

Slips, trips and falls are a leading cause of injury for businesses and workplaces. Employees and other parties on your premises – visitors,…Read more →
Coverage · Dec 6, 2013

Preventing offline identity fraud

Identity fraud does not always begin online. According to Travelers claim data, 44 percent of ID fraud cases happen when a person’s…Read more →

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