Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

Liquor Liability Insurance Vs. Brewery/Vineyard/Distillery Insurance

Both the popularity and number of craft breweries, vineyards, wineries, and distilleries are on the rise in the U.S. However, these types of businesses can have complicated insurance needs. Any establishment that has a tasting room or serves alcohol needs liquor liability insurance, but that is only the beginning of the coverage you may need. Our knowledgeable agent can help ensure you have the right...

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Cargo Insurance Vs. Wholesalers & Distributors Insurance

Cargo insurance is not the same thing as wholesalers and distributors insurance. If your business is a wholesaler or distributor that ships cargo, you may need both types of insurance. Our experienced agent can review your business policies with you to help ensure you have the coverage you need at the best price for you. What Is Cargo Insurance? Cargo insurance provides protection against risks...

How Business Owners Package (BOP) Insurance Can Save You Money

Business owners package (BOP) insurance gives you several different insurance products rolled into one. Eligibility for this type of package can vary among providers. Purchasing BOP insurance can save your business money, as it is typically sold at a premium less than the total cost of individual coverages. What Does Business Owners Package Insurance Cover? BOP insurance can be individually-tailored to suit your business. Our...

Workers Compensation - exempted owners, independent contractors and casual labor for Real Estate Staging, Interior Design and Home Organizer Companies. Beware the pitfalls!

Worker’s Compensation can be a confusing topic with substantial additional expense to a company’s bottom line; it is further complicated by the IRS, Courts, and even state statutes. Many staging and design companies are moving furniture on a daily basis, or opt to use 3rd party movers, either way there is exposure.  In addition, having employees on the road increases the exposure as injuries in...