December 11, 2017

Causes of Loss Forms

Prior to working in the insurance industry, I purchased insurance because I had to. I did not really understand the ins and outs of what I was purchasing or exactly what risks it would or would not protect me from. An insurance policy can be intimidating and sometimes confusing, but it is important to understand your coverage prior to a loss rather than after the damage is done to avoid unexpected gaps. There are three commercial property forms (basic, broad and special) that identify the causes of loss (or perils) for which coverage is provided. The basic and broad causes … Continue reading

November 29, 2017

Truck Operators Electronic Log Mandate

In December 2017, commercial truck operators will be required to use an Electronic Logging Device (ELD) to track hours of service (HOS) and records of duty status (RODS) if they are currently using paper logs or other logging software. Operators currently using an Automatic Onboard Recording Device (AOBRD) have until December 2019 to comply with the mandate. Most operators will need to comply, but there are a few exceptions to the rule: Operators of vehicles that were made before the year 2000. Drivers that currently operate under short haul exceptions and are not currently required to keep records of duty … Continue reading

November 3, 2017


As the insured, you have the option to insure your building(s) with a valuation method that best suits what you desire to receive in payment at the time of a loss. The chart below provides a brief summary of the two most common valuations and a claim scenario to help understand the differences. There are additional valuation methods that are less common. Please feel free to reach out to your insurance agent to review your current valuation or look at other possible options.

November 2, 2017

Employee Dishonesty – It can happen to anyone

You never want to think that you would have an employee that would steal, but unfortunately it does happen. However, there are some ways to reduce your risk: Do not give signature authority to just one person and require two signatures on checks. Separate check issuance and bank reconciling functions. If corporate credit cards are issued, require expense reports with original receipts to validate purchases. Require an original invoice to issue a check. Perform annual audits – both internal and external. Employee dishonesty coverage can also be purchased, either as an addition to your current insurance policy or on a … Continue reading

October 11, 2017

MCS90 Filing

One of the many facts of driving on the highway is you will most likely share the road with a semi-truck at some time in your travels. Trucking is an integral part of our country’s economy, transporting over 14,457 million tons of cargo in 2013 according to! In order to operate as a trucking company, there are many requirements you must be in compliance with. One particular filing that is often confusing and misunderstood is the MCS-90 form. The MCS-90 form, according to, is an automobile endorsement that is added to an existing automobile policy which guarantees that … Continue reading

September 29, 2017

Lending a Helping Hand: Workers’ Compensation & Out of State Coverage

When disaster strikes, it’s common to see people come together to help out their fellow neighbor, community, state or even country.  The recent weather events, specifically in Texas & Florida, have proven yet again the spirit of human kind is not lost.  There will be many people traveling across the country to lend a helping hand in the recovery efforts with most of them being contractors.  It’s important to keep in mind before you head south to review your Workers’ Compensation policy and give your agent a call to be sure you avoid any gap in coverage as each insurance … Continue reading

September 20, 2017

Building a Return to Work Program Part II

Building a return to work program can take some time, but the benefits are well worth it. It will be a team effort coordinating employees, medical providers, supervisors, human resources, insurance claims adjusters, and anyone else you feel is important to the process. Here are some tips on how to get started. Establish a key person who will be responsible for managing the relationship with the people stated above. They will be the liaison for all work-related and non-work related injuries and illnesses. Develop a written return to work program and make sure it is a living breathing document that … Continue reading

September 13, 2017

Building a Return to Work Program Part One

When an employee gets injured on the job we want to be sure they get the care they need to get better quickly. As an employer, one of the things you can do to help employees recover faster is implement a return to work program. Some of the advantages of a return to work program for the employer are: Retain skilled and valuable employees Keeps employees connected and working Help improve employee morale There are also important benefits for the injured employee: They continue to earn their regular paycheck and maintain benefits Productive use of their skills helps maintain self-esteem … Continue reading

September 6, 2017

Employers’ Liability

I recently attended a class on workers’ compensation and learned some interesting facts I thought I would share. Did you know workers’ compensation, or workers comp, is one of the earliest forms of insurance and dates back to the 18th century? It was started by pirates. Pirates were considered allies of some governments and as you can imagine they were often injured while “working” attacking ships, and a system was started to compensate the pirates if they were injured. Today workers’ compensation operates in a similar fashion.  If you are injured while working, workers’ comp will pay for medical expenses … Continue reading

August 30, 2017

Hired and Non-Owned Business Auto Liability

You may think that you have no auto liability risks if you don’t own any vehicles, but hired and non-owned auto liability coverage is exactly what you need! If your employees ever drive their personal auto for use in your business, then you have a non-owned business auto liability exposure. An auto that is rented or borrowed is considered a hired auto. You can obtain coverage for both hired and non-owned auto liability either by adding the coverage to your commercial general liability policy, or by purchasing a separate policy to only cover hired and non-owned autos. If already you … Continue reading

National healthcare open enrollment starts November 1, 2017 and ends December 15, 2017.

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