What is Hired and Non-Owned Auto Insurance?

Non-Owned Automobile Liability If you do not own a car but frequently borrow other people’s cars, rent cars or use a car-sharing service, non-owner auto insurance offers you coverage if you cause an accident. Non-owned automobile…
hologram people in hand

Workers Compensation Insurance for Leased Workers

, , , ,
Many companies are increasingly turning to staffing agencies where they lease employees to meet their needs for a variety of reasons, including increased workloads and high employee turnover rates. Companies that use staffing agencies can save…
direct costs are just the tip

Considerations When Starting A Safety Committee

, ,
One of the main parts of a solid safety program is to promote better communication between employees and management. We believe safety committees are one of the most cost effective, high yielding solutions for safety challenged organizations.…

The Lethal Flaw Contained in The Professional Liability Insurance for Home Healthcare Agencies

,
Over the years we have seen, the mistakes home healthcare agencies make when they purchase their home healthcare agency liability insurance, their professional liability insurance for home healthcare, agencies  and workers compensation to protect…

Smart Home Healthcare Agencies Know This Secret To Building Their Staff

I wouldn’t limit this little nugget to just Home Healthcare Agencies, as most smart run organizations know that efficiently utilizing your resources, deploying effectively, is really what creates competitive separation between you and your…
claim denied

Understanding Your Commercial General Liability Insurance Will Absolutely Save Your Business From Financial Ruin

, , , ,
Most businesses who purchase commercial general liability insurance have little understanding of how it’s structured and what is important. Instead they focus on the amount of limits offered per occurrence and the premium being charged for…
Twin Parks Fire

Why Property & Liability Insurance Cost So Much for Apartment Buildings , Co-Ops , Condos

, , , , ,
Are you wondering why the renewal for your apartment building insurance for your rental building, Co-op or Condo has gone up by north of 20% ? This little primer might help explain why. The Chinese have a proverb, “may you live in interesting…
Self Insured Trusts

Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

, , , , , ,
In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance,…
captive insurances man holding insurance

Reduce Costs At Scale By Restructuring Your Commercial Insurance Program

, , , , ,
Have you ever wondered how utilizing captives, a high deductible insurance program, alternative risk transfer, self-insured retentions, or retrospective rating plans could further reduce your commercial insurance costs off your already low commercial…