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
Difference Between Basic, Broad, and Special Form Insurance Coverages
When you're shopping for the best value for your personal or commercial insurance requirements, you may notice that some insurance coverages specify basic, while others may offer special or broad peril coverage. The Read More
Google Will Give Your Site a Free Ranking Boost If You Secure Your Site
In the increasingly competitive world of internet and social media marketing, any chance to increase your site’s ranking on Google for free needs to be exploited. Recently, Google announced that it would boost the search Read More
Cyber Liability Insurance Coverage For Your Business Data
Just about any organization that has a web presence or uses technology to create efficencies face cyber risk. State and national borders no longer provide a geographic level of protection business owners once enjoyed. Read More
Occurrence vs. Claims-Made Insurance Coverage
Claims-made versus Occurrence insurance policies are the two types of insurance coverage that you're likely to see. The two types may not seem that far different than each other, but in the real world, the differences can mean Read More
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