Summer Is Almost Here!

  Is your boat or jet-ski insured??? There are five common mistakes boat owners make with their insurance coverage. Whether they believe they do not need insurance because they own their boat, or because the boat isn’t physically in the water during the off-season, there are widespread misconceptions about when boat and...

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...

IRS: Vast Majority of Independent Contractors are Mislabeled

Forbes reports that the IRS is taking a much closer look at workers labeled as “independent contractors,” and that could mean potential trouble for employers. When employers pay independent contractors, there’s no income tax withholding, no employment taxes – it’s the responsibility of the worker to pay taxes. Even assuming that...

Are You A Professional?

Do You Need Professional Liability Insurance? If you aren’t sure, here are a few questions you should ask yourself first: Are you licensed? Are you educated? Are you regulated? Are you an expert? Do you use those words to attract clients? If you answered yes to any of the above questions, then professional liability insurance (also known...

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...