Cyber Liability – Are you Safe Without It?

Cyber Liability: Questions to Ask About Your Coverage We’ve all heard the stories of overseas hackers breaking into networks to steal credit card numbers, and other private information. The fact of the matter is, it’s happening with increasing frequency, and even though you think your network is protected by passwords and...

Executive Bonus Plans Considered

Running a successful business often depends on recruiting, rewarding, and retaining talented executives and key employees who are committed to the business owner’s goals. In addition to paying an attractive salary, the business owner must offer a competitive benefits package. Trouble is, government regulations make it difficult for employers to...

Commercial Applicators Dilemma: Coverage vs. Price?

In the insurance business it is not uncommon for consumers, business owners and their agents to shop all the available insurance coverages and make their final purchase decision on price – without considering coverages. I’ve found this to be especially true for western commercial applicators. Price, in today’s economic environment, is...