All blogs relating to commercial insurance.
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,…
Dividends have been available in the Worker’s Comp world for a long time. They are a great way for an insurance company to reward a client for good performance. As with most insurance products, some companies offer more aggressive plans…
Agent of record, what is it? Man, if you’ve heard that term before, there’s no telling what the background is behind that conversation. But I’m going to tell you that the agent of record letter is not wrong. Like you…
When procuring your insurance, you may need more than just insurance. You may have a particular set of problems that you would like to have addressed. You might be looking for training and development for your people. The list goes…
As you may be aware from our other videos, this series’ entire intent is to teach you the buyer the different methods you can use to procure your insurance coverage. Today I want to talk about what we call Limited…
As a business owner, you have so many things on your plate. You probably don’t even know where to begin when it comes to buying your insurance. Truthfully, let me go ahead and apologize to you now because our industry…
Why do I need to have an offer letter that’s offering a person a light-duty job for my return to work program? We get this question all the time. The answer is simple, attorneys. You have to have it for…
All Dividends are Not Created Equal All dividends on worker’s comp policies are not created equal. I don’t care what your agent’s telling you, it’s simply not the case. There are a lot of things to consider when you get…
What is return to work? Return to work is a program that is designed to get an injured worker back on the job as soon as possible. It’s great for several reasons. It Benefits Your Company Culture First, it helps…
What is coinsurance? Oh, my goodness. We have copays, coinsurance, all of this stuff on the medical side and now you’re throwing it at me in my property and casualty insurance? I don’t get it, and I don’t want to.…