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Insurance Blog​

ChatGPT Image Sep 18, 2026, 10_30_39 AM
Don’t Wait Until You Need the Policy
September 25, 2026
If you’re thinking about starting a business, talk to an insurance professional before you’re ready to buy insurance. Better yet, start thinking about risk before…
Pollution Image Aug 4, 2026, 08_38_23 AM
Pollution Liability: The Business Risk You May Not Know You Have
August 7, 2026
When business owners hear the word “pollution,” they often picture smokestacks, chemical plants, or hazardous waste sites. For many small and midsized businesses, that leads…
ChatGPT Image Jul 17, 2026, 11_24_06 AM
Buying Commercial Insurance? Don’t Compare Premium Alone
July 17, 2026
When shopping for commercial insurance or evaluating a renewal policy, it’s natural to focus on the premium. After all, it’s the number that’s easiest to…
reputationrisk
Reputation Damage: The Loss No Business Wants to Face
June 26, 2026
Your business owns something extremely valuable that probably isn’t listed anywhere on your balance sheet: Your reputation. And unlike a damaged building or broken equipment,…
Comparison of Parametric Insurance and Traditional Insurance Approaches
Parametric Insurance: When Triggers Trump Tape (the red kind) and Tedium.
June 18, 2026
Insurance works best when people understand what it is designed to do and, just as importantly, what it is not designed to do. Most insurance…
ChatGPT Image May 12, 2026, 11_37_45 AM
Insurance and Human Nature: Why Logic Often Loses
June 11, 2026
People do not make insurance decisions logically. They make them emotionally. That may not sound obvious, but it explains why so many individuals and businesses…
Uninsured Auto Work Comp image
Workers’ Comp Isn’t the Whole Story After a Crash
June 2, 2026
When an employee is injured in a vehicle accident while working, many business owners assume workers’ compensation will handle everything. It certainly plays a role,…
Business Property Insurance Options and Deductible Selection
Deductible Dilemmas: Striking the Right Balance for Business Insurance
May 25, 2026
When considering your business insurance deductible, it’s common to focus on minimizing your immediate out-of-pocket costs if you ever need to file a claim. Wwe…
Unseen Insurance Risks Encountered by Businesses
Understanding Abstract Risks in Business Insurance Planning
May 18, 2026
Business owners often focus on insuring the things they can see, touch, and count, but sometimes overlook the larger, more abstract risks that could truly…
ChatGPT Image waiver of subro
Waiver of Subrogation and Primary/Noncontributory: What Those Contract Clauses Really Do
May 9, 2026
If you’re signing contracts as part of your business, you’ve probably agreed to provide “waiver of subrogation” and “primary and noncontributory” coverage more times than…
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Customer Reviews
Rated 5 out of 5

Been working with Scott for almost 8 years now. Has always been incredibly...

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Kris D
Rated 5 out of 5

Scott is incredible to work with! He responded promptly after reaching out with...

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sergio d
Rated 5 out of 5

He also emailed me the policies and I was able to e-sign- VERY convenient.

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He gets me what I need when I need, makes good suggestions, etc.

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Rated 5 out of 5

Have and will continue to recommend people to him and his services

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