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Do You Have Workers That Are Frequent Claim Filers?

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While the vast majority of workers comp claims are legitimate accidents from honest, hard-working employees eager to overcome their injury and get back to work. However, every so often an employee with ulterior, personal motives decides to beat…
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Workers Compensation Insurance for Leased Workers

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Many companies are increasingly turning to staffing agencies where they lease employees to meet their needs for a variety of reasons, including increased workloads and high employee turnover rates. Companies that use staffing agencies can save…

The Lethal Flaw Contained in The Professional Liability Insurance for Home Healthcare Agencies

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Over the years we have seen, the mistakes home healthcare agencies make when they purchase their home healthcare agency liability insurance, their professional liability insurance for home healthcare, agencies  and workers compensation to protect…
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Understanding Your Commercial General Liability Insurance Will Absolutely Save Your Business From Financial Ruin

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Most businesses who purchase commercial general liability insurance have little understanding of how it’s structured and what is important. Instead they focus on the amount of limits offered per occurrence and the premium being charged for…
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Why Property & Liability Insurance Cost So Much for Apartment Buildings , Co-Ops , Condos

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Are you wondering why the renewal for your apartment building insurance for your rental building, Co-op or Condo has gone up by north of 20% ? This little primer might help explain why. The Chinese have a proverb, “may you live in interesting…
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Why Current Economic Conditions Are Perfect To Restructure Your Insurance Program

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In our opinion, there is no better time to consider alternative risk transfer as a strategy to get more cost-efficient with respect to your current commercial property insurance, commercial liability insurance, workers compensation insurance,…
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Reduce Costs At Scale By Restructuring Your Commercial Insurance Program

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Have you ever wondered how utilizing captives, a high deductible insurance program, alternative risk transfer, self-insured retentions, or retrospective rating plans could further reduce your commercial insurance costs off your already low commercial…

What Is The Cost To Run A Captive Insurance Program?

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How much does it cost to start and run a captive insurance company? It’s the most frequent upfront question we get from organizations that are looking at starting their own captive insurance company for their organization. The short answer…
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What’s The Difference Between a Deductible & Self-Insured Retention In Your Commercial General Liability Policy?

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With respect to your commercial general liability insurance policy; choosing between a high deductible or self-insured retention can have a major impact on your competitive position as your business competes on the street. We we want to give…