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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 to prevent a loss from happening again. Insurance can be complicated and confusing and there are no stupid questions! I am President of Western States Loss Control, Inc. and we provide insurance consultations to business owners and surveys/inspections for insurance companies in all states West of the Mississippi.

Experience in the area

20+ years of industry experience.


Past President of SCIP Southern Connecticut Insurance Professionals, a chapter of International Association of Insurance Professionals.


Certified Insurance Counselor, 2001.

What do you like about this subject?

It's always changing and every question is different than the one before.

What do you still hope to achieve/learn in this field?

One NEVER stops learning in this field.

Something interesting about this subject that others may not know:

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!

Something controversial or provocative about this subject

If you're a business owner and have an Umbrella policy you want to ask your agent the following; 1) Is it a TRUE Umbrella? (Umbrella's provide additional coverages/benefits whereas an Excess policy simply provides more $$ above what your primary policies pay.) 2) Is the effective date for the Umbrella the SAME as your primary policies? It needs to be, if it's not, have your agent correct it ASAP.

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    K = Knowledgeability    C = Clarity of Response    P = Politeness
Monique 06/26/14101010Thanks for your informative answer. You have .....
Lynne 10/21/13101010This is not the first time that .....
Prashant S Akerkar06/18/13101010Dear Kristen Thank you. Thanks & Regards .....
Prashant S Akerkar06/16/13101010Dear Kristen Thank you. Thanks & Regards .....

Recent Answers from Kristen Mulcahy, CIC

2015-08-07 What insurance do I need?:

Jessica,     Sorry for the delayed response, been traveling. So I need a little more information. 1- Is he going to have a home office? A garage? Where will the business be based? 2- If no towing or removal

2015-06-12 hiring a HOA Maintenance man:

Lucy, so sorry for the delayed response, I didn't get notification that there was a pending question until today. Okay, the IRS has a definitive guideline as to who is an employee and who is an Independent

2014-06-25 Landlord policy limits:

Monique,     I'm assuming it was some sort of slip/trip/fall, possibly on ice or something but regardless, landlords are Commercial Building Owners and as such, have Commercial Insurance Policies in place

2013-07-03 car damage at work:

Denesha;    There are a few mitigating factors here and some legal ones as well. I am NOT an attorney and cannot give you any legal advice. With that said, the first party responsible for the damage to

2013-06-17 General Insurance coverage in event of a Earthquake.:

Good day Prashant;    Again, I'm not familiar with insurance coverage in India. However, I would assume the principals and concepts are similar to our coverage here in the US. Here in the US, the market


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