August 2, 2014
AgencyWhat is the Home Replacement Cost Limit
Replacement Cost Compared to Market Value Whether it be a Home or a Commercial building. A common question is “Why […]
November 2, 2014
AgencyFerguson: Pending Grand Jury Decision and Insurance
With a Decision pending we have been receiving phone calls from Building Owners, Homeowners, Landlords etc. asking is my property covered […]
November 30, 2014
AgencyFerguson Businesses and Loss of Income Coverage
The business section of the Post Dispatch had an article over the weekend discussing the damage caused by rioters to […]
January 17, 2015
AgencyProperty Insurance: Don’t get blindsided by a Co-Insurance Penalty!
Coinsurance as it relates to Property Insurance is an easily misunderstood concept. Most people, naturally, think of the coinsurance requirement of their […]
June 4, 2015
AgencyWork Comp: Subcontracted Labor Confusion
A common question is: “Why do I have to include my subcontracted payroll on my Workers’ Compensation policy – they’re […]
July 25, 2015
AgencyCertificates of Insurance – What to watch out for!
The Certificate of Insurance (COI) loosely stated is the Business equivalent of an Auto Insurance Id Card – it illustrates […]
August 16, 2015
AgencyExtra Expense Coverage Can Save A Business!
To my surprise I got called out on the absence of a follow-up to a prior Blog Post. As previously indicated, […]
November 14, 2015
AgencyBar Owners: Make certain your policy does not Exclude Assault and Battery!
You own a great establishment with good food, but the bulk of revenue comes from Alcohol sales. That’s why you […]
January 2, 2016
AgencySo, you’re going to begin Manufacturing in China…
Before anybody wants to take a political shot at me on this one – yes, I agree with you, it […]
February 21, 2016
AgencyWhat’s this Additional Insured thing everybody requires me to have?!
Very simply stated, the requesting party is saying “If you screw up (cause bodily injury or property damage) and I […]