Workers' compensation -- Fines and penalties if you don't insure your workers Each state has it's own set of rules, penalties, and fines for failing to get worker's compensation insurance if you have Read More
What is Waiver of Subrogation Insurance Endorsement
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
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
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
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
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
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
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