Insights
Commercial insurance, explained plainly.
Straight answers to the questions business owners ask us most, from what a policy really covers to what to do when a client asks for a certificate. Written and reviewed by people who have placed, defended and settled these claims.
How do I lower my workers' comp premium and experience mod?
Your experience mod multiplies your premium. Here's how it's calculated, what you can still influence, and where to start.
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BOP vs. general liability: which does your business need?Two of the most common small business policies, compared side by side.Read the guide What is a certificate of insurance, and how do you get one?Why clients ask for a COI, what it actually proves, and how to get one issued without holding up the job.Read the guide Claims-made vs. occurrence policies: what business owners should knowThe difference that decides whether a claim about past work is covered.Read the guide Does my small business need cyber insurance?What a cyber policy covers, what carriers look for, and how to decide.Read the guide What does general liability insurance cover?A plain-English guide to the policy almost every business needs, and the gaps we see most often.Read the guide
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