If you have a building that is occupied and in business for part of the year, and vacant during other times of the year, you may have found finding building and property insurance is difficult to find. We have several insurance carriers that write seasonable commercial building Read More
Piercing The Corporate Veil
A question I see pop up in many industry forums, especially among smaller businesses (i.e. home based) owners is the question that goes along the lines of "should I get insurance or should I create an LLC?" For purposes of this article and within this context, I'm thinking a Read More
RV Transport Insurance and What You Need to Know For Pulling Your First Trailer
Most campers, travel trailers, and fifth-wheels are produced in Indiana in the various factories for the different RV manufacturers. Because campers are used throughout United States and Canada, and people want to buy campers locally, the manufacturers use a combination of Read More
Hot Shot Trucking
What is Hot Shot Trucking? Hot shot trucking is "For-Hire" trucking using a tractor (truck) that's also (somewhat) commonly used for vehicles that are also passenger vehicles, at least sorta kinda. What we're talking about when it comes to hot-shot trucking is the "super Read More
Indiana Trucking Insurance Non-Renewed – We Have Other Carriers To Get Coverage
Indiana is ranked as one of the top five states to drive a truck in, and if your trucking insurance isn't renewed, you're going to feel a serious panic and knot in your stomach. The cost of trucking commercial auto insurance is so high, trucking operators always (or at least they Read More
Non-Emergency Medical Transportation Insurance (NEMT)
Your non-emergency medical transportation insurance requirements include auto insurance, general liability, business personal property, workers compensation and other unique insurance coverage to make sure your business operates without fear of an event placing your livelihood, as Read More
Pre-Trip & Post-Trip Inspection Report – Plus Commonly Overlooked Checks To Perform
At the center of any long-term successful trucking operation is the pre-trip inspection report, right along with the post-trip report too. Any real professional is going to use a pre-trip inspection report, just as airline pilots use pre-flight inspection reports for one reason, lives Read More
Poured Concrete Foundation and Structure Contractors NAICS Definition – 238110
Back to General Liability Class Codes General liability class code for Masonry is 97447 Cross reference for business insurance with general liability and North American Industry Classification System class codes. 238110 Poured Concrete Foundation and Structure Contractors This Read More
School Bus Contractor Insurance
School Bus operators have unique needs and requirements, including limits to your industry. We have programs available for schools, travel, party buses, and school bus operations contracted primarily to local public and private school districts. All of our carriers are A rated Read More
Workers Comp With No Employees
Workers' compensation insurance without employees is a type of coverage that's usually for independent contractors. Even though every state I work in doesn't require workers' compensation for a sole proprietor, I write many "no employee" workers' comp Read More
Buying Workers’ Compensation Insurance From a Different State
I was recently asked about buying workers' compensation from one state because the premium is cheaper, while most of the work is performed in another state. It's an interesting question because there's so many moving parts. LEARN MORE ABOUT GHOST Read More
Home Improvement Contractor Bond Milwaukee
If you're performing home improvement contractor services in Milwaukkee, and you're required to get bonded, we can help provide a fast and easy streamlined process for buying a home improvement contractor bond. Bonding isn't a substitution for business insurance, as they Read More
Business Insurance Audit Letter, Why Did I Get One and Do I Have To Fill It Out?
What is this commercial insurance audit letter I received in the mail, and do I have to complete it? When a business general liability or professional liability policy is nearing renewal (generally about 10 or 11 months into a year policy), and sometimes when an Read More
Manufacturer Insurance, Don’t be Fooled by Offers to Quote in 15 Minutes
A manufacturer's insurance liability policy is 15 minutes? Really? Spoiler - You can't be sure you have the correct insurance coverage for your manufacturing company within 15 minutes, especially if you're a small start-up. I'm not sure if Read More
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