The Benefits of a Workers’ Compensation Experience Modifier Review

Your Experience Mod Is Your Work Comp Identity It is a fact that many employers overpay for their workers’ compensation premiums.  One of the reasons is that their experience modifier is not accurate. The experience modifier is a numeric representation of your company’s loss history compared to the average for your industry. If your loss history is average, your modifier should be 1.00. The experience... Read Article

Five Keys to Improving Your Personal Insurance

A Personal Insurance Update We work to ensure that your personal insurance provides the protection you deserve and need.  We understand you may need different coverage like a personal umbrella, RV insurance, valuable articles coverage, earthquake, or flood coverage. Over the years, we have found that homeowners who adhere to the following strategies have a better chance of obtaining the best possible combination of coverage,... Read Article

Leased or Rented Equipment

Like many organizations, your business may rent or lease equipment from time to time. You may be planning a special event and need a tent to accommodate 250 people as part of a business activity. Or, perhaps you are renting a sound system for a concert, or leasing office equipment such as your copier.  These kinds of events create added risk to the organization. It... Read Article

Does Your Business Have The Right Coverage?

Types of Insurance a Small Business Owner Should Have There is no question, owning a business comes with a set of unique risks.  The types and kinds of business threats are changing rapidly, and for your business to survive and grow you need to know how to manage your risk. A well designed commercial insurance program can protect your company from financial loss and even... Read Article

We Know Commercial Insurance

A Business Insurance Update We live in a changing world, and your business insurance needs to be changing as well. In order to keep your commercial insurance up to date you need to have the ability to change and update your insurance program on a regular basis.  The industry has developed a number of innovative insurance products that your business may just need. Business Interruption... Read Article