• Certificates Of Insurance

    Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect the coverage provided by a particular insurance policy. Therefore, requests to "endorse the certificate of insurance" are inappropriate and misleading. A certificate is a separate document that is used to comply with a common contract requirement to verify certain types and amounts of insurance.

  • Crime Insurance

    What one has, another one wants. Usually we find legitimate means to get what we desire. However, there are the few among us who go the route of merely taking from others, especially from businesses. Crime is one of the many, serious exposures to loss where insurance protection is needed. Since other forms of coverage, such as property and inland marine policies, offer such limited protection against crime-related losses, crime insurance is necessary.

  • Home-Business Autos

    Do you operate a business from your home? If so, it’s likely that you have arranged for the proper coverage to protect your property, such as business equipment and furnishings that you use with that business. You, hopefully, have also taken care of your premises liability. In other words, this is protection for injury to business visitors or property damage that is directly related to your in-home operations. However, what about losses caused by vehicles? Are any cars, vans, trucks, etc., used in your business? If so, do you have the right protection?

  • Handling a Cellular Distraction

    A business that deals with over-the-road transportation is highly concerned with substantially minimizing accidents. Vehicle accidents, besides interrupting work and creating loss of business property, have much wider consequences. Accidents also cause serious damage to public and private property and, more significantly, also create injuries and even fatalities. Therefore, it is important that persons who drive business vehicles do so safely.

  • Mobile Equipment

    You might think that a policy that is designed to protect autos and trucks that are used by a business would cover any type of vehicle. That is a dangerous assumption, at least with regards to providing complete protection. There are instances when coverage for damage to certain types of vehicles and the legal responsibility for their use may have to be covered by two different policies. Mobile equipment falls into that nether region of insurance coverage.