General Liability

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Man at working wondering about Primary insurance
What is Primary Insurance?

A primary policy is the first policy to respond to a loss or claim. An excess policy is the second policy that responds to the same claim or loss and essentially sits “on top” of the primary policy. Umbrella Insurance is a common type of an excess policy. An Umbrella Policy is considered secondary coverage, meaning that any claim must exceed your primary policy’s limits of liability before the Umbrella coverage kicks in. Read More

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4 Min Read
Man at work wondering if health insurance covers work related injuries

Does Health Insurance Cover Work Related Injuries?

Health insurance covers injuries or illnesses that happen off the job, but most employers are required to have workers compensation insurance to cover their employers when an illness or injury happens at work. Read More

4 Min Read
a computer keyboard with a green button that says insurance replacing the standing enter key

What is a Certificate of Liability Insurance?

A certificate of liability insurance (COI), is a simple document issued by your insurance company. The details it shares include the types of coverage, the issuing insurance company, your policy number, the named insured, and the policy’s effective dates, and the types and dollar amount of limits and deductibles. Read More

3 Min Read

Snow removal insurance protects your plowing small business

Snow removal can be a risky business, and your insurance policy should be tailored to those specific risks. Here are some examples of scenarios that could be covered by snow plowing liability insurance... Read More

3 Min Read
Woman on laptop at home looking up the meaning of an ACORD

What is an ACORD certificate of liability form?

When all insurance carriers and agents use the same forms, everyone benefits from reduced ambiguity and increased accuracy. This is why having an ACORD certificate of liability insurance on hand to provide to clients will help you and your clients do business more effectively. Read More

5 Min Read

Protecting social workers from negligence claims through liability insurance

Social workers take on a personal commitment to help others. Taking the time to invest in insurance now to protect against potential lawsuits can save you from stress in the long run. Read More

6 Min Read

9 Ways to minimize business insurance costs without cutting corners

What can you do to reduce business insurance costs without cutting corners? Maintain integrity and save money with these 9 smart ways to lower insurance costs. Read More


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