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My specialty is commercial insurance for business owners. I can answer questions regarding liability, property, auto, workers compensation, directors and officers, umbrellas and risk management for all types of businesses. Risk management or loss control, is taking measures to reduce the chances of a loss in the first place or, helping you prevent it from happening again. Insurance can be complicated and confusing and there are no stupid questions! I own a Risk Management company in New England that provides insurance consultations to business owners and sight inspections for insurance companies.
It's always changing and every question is different than the one before.
I am a Certified Insurance Counselor (CIC) and am presently pursuing the CRM designation, Certified Risk Manager.
A person's driving record is a BIG indicator of what type of employee they'll be, even if they don't drive for their job. If you're a business owner, have your employees complete the Fair Credit Reporting Act Disclosure Statement so you can legally obtain a copy of their driving record. You'll be glad you did!
Everyone is upset about the economy but the good news is that in the insurance market, premiums are going down! With that said, an agent that provides good risk management services in ADDITION to insurance policies is the way every business owner/home owner should go.
| User | Date | K | C | T | P | Comments |
|---|---|---|---|---|---|---|
| Bill | 11/06/09 | 10 | 10 | 10 | 10 | Kristen is a great person to ask ..... |
| Bruce | 09/11/09 | 10 | 10 | 10 | 10 | Thanks for your advice and so quick! |
| John | 09/10/09 | 10 | 10 | 10 | 10 | Thanks Kristen. |
| Mark | 09/10/09 | 10 | 10 | 10 | 10 | Thank you very much for your response ..... |
| C | 08/27/09 | 10 | 10 | 10 | 10 | Thanks Kristen for your super timely response ..... |
Tom; I'm sorry but I'm not familiar enough with carriers appetites to tell you who would write a policy like this. However, I will say that trying to find a homeowner type policy, in my mind, isn't
Yes, it's still business/commercial insurance. There are numerous companies that do business in all 50 states such as Travelers, The Hartford, etc... you're best bet is to use the services of an Independent
Ivan; Easy question! Unless this person is actually living on the property, it's business insurance. And, this person would only buy an umbrella if there is a primary, underlying policy in place first
Mike; This is very easy to do. Find a reputable independent agent and tell them you need a General Liability Policy for Vacant Land. They'll do the rest! Not all companies like vacant buildings or vacant
Tyler; The insured can absolutely file a claim with the purchasing agent's E and O policy. When a business is sold, regardless of what type, appliance store, flower shop, etc... the purchaser is buying
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