All blogs relating to commercial insurance.
In today’s workplace, safety is more than just a legal obligation—it’s a critical component of a successful and sustainable business. One of the most effective ways to ensure a safe work environment is through the development of comprehensive safety policies…
In the world of workplace safety, prevention is always better than cure. Companies striving to create a safe and healthy work environment must start with a fundamental practice: risk assessments and hazard identification. These two components are the bedrock of…
In today’s fast-paced and ever-changing work environments, companies are constantly searching for ways to manage and reduce their workers’ compensation costs. One of the most effective strategies is the implementation of a Pre-Injury Management Plan (PIM). This proactive approach not…
Hey there, it’s David Carothers from Florida Risk Partners. Today, I’m diving into a question that’s probably been on your mind, whether you’re navigating the waters of personal or commercial insurance: Why does your agent keep asking for your target…
Owning a business in the Tampa Bay area comes with its fair share of surprises, but one thing you shouldn’t be blindsided by is your annual insurance audit bill. If the mere mention of insurance audits sends you into a…
People get confused when they do their statement of values. They want to know how often it should get done. Well, the truth of the matter is it should get done on an annual basis, but don’t shoot the messenger.…
Statement of Values, what all gets included in that? My goodness, everything that you own, that you insure on a property policy. It could be your building, it could be your furniture, fixtures, and equipment. It could be business income.…
Why is a statement of values important? Well, honestly, it’s because it’s the way the insurance company knows how much stuff you have and what it’s worth. Is a Statement of Values Important? See, we talked to you in a…
Today we’re going to talk about a statement of values. Sounds a little daunting, doesn’t it? Don’t worry, it’s not. But don’t let that fool you. It’s extremely important. In fact, most of the people who do my job don’t…
There are two different kinds of dividends in the marketplace today. One of them is a sliding scale and the other one is flat. The flat dividend is not a good deal unless you plan on having a terrible year,…