Waiver of subrogation is when one party (usually an insurance company) gives up the right to recover a paid loss against another party in the event a loss occurs. In order to fully understand what Waiver of Subrogation is, Read More
Archives for 2015
Starting a Corporation or Limited Liability Company In Wisconson
Starting a Corporation or Limited Liability Company In Wisconsin and receiving a federal employer identification number isn't very difficult if you know where to find the forms and state information. I provide so many people with Read More
No Pressure Insurance Sales. Buy Life Insurance Without The High-Pressure Sales Pitch
Buying life insurance or any other kind of insurance should never be in a high pressure sales environment. In fact, the first step in buying life insurance should be a needs analysis to see if you should buy any, how much, and Read More
Smartphones Can Cause Overtime Pay – A Case For Employment Practices Liability Insurance
A case for employment practices liability insurance In some situations, providing a smartphone to your employees can cause the employer to be liable for overtime pay. Employment Practices Liability Insurance can help protect Read More
Small Business Insurance, What Are The Chances You Will Use It?
As a commercial insurance agent, I'm reminded often that most business owners don't believe there's a good chance that they ever use the insurance they buy. Because of that feeling, it's often not so much of a risk Read More
Crazy Ways That People Die and a Video of 10 Horrible Ways To Die
As a commercial/business (think key-man) life insurance salesperson, I'm always surprised to learn the many ways people "check out". For example, did you know that having a swimming pool at your home is more dangerous than Read More
General Liability Class Codes for Commercial Insurance Classification
Commercial general liability insurance is based on the classification code(s) of the activities that have risk. Finding the correct code is essential to ensuring your business is properly covered at the correct rate. This is the Read More
Employee or Subcontractor / Independent Contractor, What is the Proper Classification I Should Use for Workers?
Is the person or people working for you a subcontractor or employee? The IRS uses a 20-point criteria test to determine a worker's status Each state has its own test that generally follows the IRS test, albeit often varies Read More
What is Excess & Surplus Lines Insurance?
Insurance policies, and especially business insurance policies are often categorized as admitted or non-admitted insurance. Other terms for non-admitted insurance policies are excess and surplus, E&S, surplus, and Read More
Is Worker's Compensation Required In Minnesota
I get asked often about when worker's compensation is required and the general answer is anytime there's an employee working. The employee can be part-time, full-time, seasonal, your sister's cousin visiting, or most Read More
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