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- Kristen Mulcahy, CIC
Property & Casualty Insurance/Expert Profile
Expertise
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.
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?
I am a Certified Insurance Counselor (CIC) and am presently pursuing the CRM designation, Certified Risk Manager.
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
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.
Average Ratings
Recent Reviews from Users
K = Knowledgeability C = Clarity of Response T = Timeliness P = Politeness| 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 ..... |
Recent Answers from Kristen Mulcahy, CIC
2009-11-03 temporary housing proeprty insurance:
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
2009-11-03 umbrella insurance:
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
2009-11-01 umbrella insurance:
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
2009-10-28 Liability Insurance for bare land:
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
2009-10-27 Statutory Laws in Georgia Protecting Insured's:
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
Answers by Expert:
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