What is a Certificate of Insurance?

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A Certificate of Insurance (COI) provides information on specific insurance coverage. The certificate is proof of the insurance you have and typically contains information on the following:

  • Type of coverage
  • Limit for each coverage
  • Insurance company name
  • Policy number
  • Named Insured
  • Additional Insured(s)
  • Effective policy dates
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Topics: Commercial Insurance

Why Do Contractors Have to Provide Additional Insured Endorsements?

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A common requirement you’ll find in a construction contract is for any hired contractor to provide additional insured status to parties within the contract. The purpose of this requirement is to protect an Owner, General Contractor and/or another Trade Contractor from potential claims that may arise from work the hired contractor is performing. By having the Owner and General Contractor listed as additional insureds on the hired contractor’s policy, this transfers the potential risk for work done back to the hired contractor.

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Topics: Contractors, Commercial Insurance

What is Parametric Coverage?

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Is it just me, or do you read the headlines these days and wonder if you are actually reading the plot lines from those “Disaster Movies” that I loved watching when I was a kid?

A major earthquake in Southern California, massive flooding in the farmland, a giant killer storm that takes out Tokyo, or a fast moving wildfire gobbling up acres of prime land by the second—it all seems so fantastical

Except that it is, in fact, real.

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Topics: Commercial Insurance

Railroad Protective Policies: Keeping Your Jobsite on Track

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If you find yourself working on (or near) the railroad, all the livelong day, odds are you will have to do much more than sing, “Fee Fi Fiddle EE Aye Oh.” Particularly, this is true if you are the one in charge of making sure that all of the appropriate insurance is in place for your project.

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Topics: Commercial Insurance, Railroad Protective Liability

What is a Wholesale Insurance Broker?

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Did you know your insurance broker may be partnering with a wholesale insurance broker to deliver the best coverage for your company? Not familiar with the term wholesale broker? Keep reading to learn more about the role of a wholesale broker.

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Topics: Commercial Insurance, Insurance Broker

Trying to Insure Your Commercial Property? You Need to COPE

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If you are a commercial property owner in the process of trying to insure your property—whether it be an office building, apartment complex, or gas station, etc.—you need to be familiar with the acronym – C.O.P.E.

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Topics: Commercial Insurance

Safety Advice: 5 Ways to Keep Your Insurance Premiums Low

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When it comes to insurance, most companies are not excited to purchase it. Unfortunately, it is a necessary item for any business owner. Typically, you want good insurance coverage with low costs.

One way to make sure your insurance premium is low is to have a good safety plan. Good safety is the easiest way to lower your insurance premiums. Here are some ideas you can implement into your current safety program that will help lower your insurance premiums:

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Topics: Insurance Premiums, Commercial Insurance

Is a Workers' Comp Self-Insurance Program Right for Your Company?

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Workers’ compensation self-insurance programs are risk management techniques where a firm sets aside a pool of money to provide for any unexpected losses that occur. This is done instead of purchasing a third-party insurance program, also known as a fully-insured plan. So, instead of paying worker’s compensation premiums, that money is earmarked for this special fund to pay for any claims that are incurred.

There are different types of workers’ comp self-insurance available to your company.

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Topics: Workers' Compensation, Commercial Insurance

4 Types of Commercial Auto Insurance You May Need


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Commercial Automobile Insurance is a policy that combines physical damage and liability coverages for amounts, situations, and usage of business vehicles that are not a personal auto policy doesn’t cover. This type of business insurance covers a variety of vehicles, from automobiles used for business—including company cars—to a wide variety of commercial trucks.

Within a Commercial Auto policy, there are 4 major types of protection that are usually offered. 

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Topics: Commercial Insurance, Commercial Auto Insurance, Auto Insurance Policy

How Do I Save Money On My Commercial Auto Insurance?

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These days, business commercial auto insurance policy premiums are rising exponentially. Here are a few suggestions on how your company might be able to reduce your Auto premiums.

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Topics: Commercial Insurance, Commercial Auto Insurance, Auto Insurance Policy

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