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Property & Casualty Insurance/Expert Profile

Kristen Mulcahy, CIC

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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

User	Date	K	C	P	Comments
Marie	05/01/12	10	10	10	I was pretty sure I knew the .....
Janet	03/23/12	10	10	10	I found Kristen's response intelligent, concise and .....
LISA	03/21/12	10	10	10
Everett	03/12/12	10	10	10	Kristen answered and resolved my question quickly .....
Patrick	09/25/11	10	9	10

Recent Answers from Kristen Mulcahy, CIC

2012-05-16 Owner/Contractor Liability:

Jeff; I completely appreciate your responsible approach to the situation. Most people, even business owners/contractors, may think of this scenario but not do anything about it. First, you're right

2012-05-04 Commercial Insurance Denied:

Kathy; If your lease specifically states that your landlord is responsible for repair and maintenance of the roof then it would seem to me that your landlord doesn't have a leg to stand on. He should

2012-04-26 Commercial Auto Policy:

Absolutely. I would add the Additional Insured – Lessor for the two employees to be sure their interests are covered. Just as employees, there could be situations that would not cover them as owner’s

2012-03-23 property damage due to water damage:

Janet; Just so you know, most water damage IS flood. You don't have to live on the coast or next to a lake etc... so keep that in mind going forward. I would definitely speak with an attorney because

2012-03-19 property damage due to water damage:

Janet; Any damage that's already been done will most likely not be covered by your fathers condo policy. You said insurance denied his claim but you didn't say whether it was his or the condo associations

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