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