Our Most Recent Blog Posts

Business such as dry cleaners, alterations or shoe repair constantly have customers dropping off and picking up their clothing or shoes. Laundromats are no exception as some are offering wash & fold services. With the majority of the inventory as possessions of clients, what would happen if there were to be a fire? How are […]

Most car accidents are minor with damages that can be repaired. However, in some cases, the vehicle may end up being totaled. Below are some frequently asked questions that may aid in a better understanding of total loss accidents.     ◈ What is total loss and how is it determined?   The term “total […]

Commercial property insurance is essential for commercial building owners, just as home insurance is for homeowners. Which is why it’s important to know the criteria that affects the premium. The basic premium calculation is to multiply the loss rate estimated by the insurance company by the insured building limit.   Although it differs among insurance […]

Many tend to neglect the coinsurance provision found in business property insurance.  However, this term is an important factor that determines whether you will receive sufficient compensation for your property damage. Most accidents are likely to be partial losses with the chance of a total loss being low. With that in mind, a policyholder is […]

So you’ve seen a deductible on your auto or homeowners insurance policy. How does it work exactly? You probably already know that it’s the amount of “cash-on-hand” you need should anything bad happen. What you may not know is that it can be a bit more complicated than that. Auto Deductible Simply put the deductible […]