Richmond, Virginia loves ink! Richmond has the 3rd most tattooed residents in the U.S. next to only Las Vegas and Miami. The last thing on most people’s mind when selecting a tattoo is insurance but before applying permanent ink, make sure the tattoo parlor and artist have insurance. Insurance Coverage General Liability Professional Liability Property…Read more
Why Insurance Rates are Increasing
We are often asked why are insurance rates increasing? I didn’t file a claim or get a ticket. Insurance premiums are a function of these factors: The perception of future risks, recent catastrophic claims and the return available on investment. Huge fires and other disasters factor in, such as the Colorado Springs blazes earlier this…Read more
Healthcare Open Enrollment 2017
In the insurance industry, ‘annual enrollment’ refers to the period every year where individuals can sign up for an insurance plan with no discrimination or reduced discrimination against pre-existing conditions, or reduced or non-existent medical underwriting. In some cases, it’s the only time someone can sign up for insurance with a only a few exceptions.…Read more
3 Steps to Controlling Workers’ Compensation Costs
Workers’ Compensation can be a large cost center for a business. The extent depends on the type of business and the state where the business is located. The cost to insure a single employee making $30,000 per year can range from less than $100 (for a clerical worker) to around $1,400 (for a restaurant worker)…Read more
Get Insurance for your Kids in College
Back in the day kids showed up to their college dorms with not much more than the clothes on their backs and a couple of suitcases, maybe a small stereo. A generation ago, laptops were nearly unheard of in college dorms. Obviously, those days are over. Today college students rely on a small arsenal of…Read more
Do I Need Terrorism Insurance For My Business?
Terrorism insurance is provided by a public or private risk-sharing partnership. It gives the government and insurers the responsibility of sharing losses if there is a terrorist attack. This coverage is offered as a special add-on feature or endorsement to commercial property insurance. If there is a terrorist attack, a regular business policy will not…Read more
High Net Worth Insurance
High Net Worth insurance is designed for policyholders with a net worth of 5 million or more. This segment represents about 5% of the population and the needs of this group are very complex. In 2015, Chubb was acquired by ACE. This acquisition was a surprise to many in the insurance industry and agents are…Read more
Landlords May Be Legally Liable For Tenants’ Injuries
One of the risks from being a landlord is that tenants or visitors to the premises may get injured. Injuries may result from factors out of the landlord’s control. However, in some cases the landlord may be legally liable for accident. Negligence A landlord is legally liable for a tenant’s or visitor’s injury if he…Read more
Insurance for Small Construction Businesses
Small construction businesses require several of the same types of insurance coverage that larger businesses need. In addition to this, there are types of coverage available that are specific to the construction industry. It’s best to speak with a qualified agent who has experience in insuring small construction businesses. Agents with experience are able to…Read more
What is Subrogation?
You’re stopped in traffic when another driver plows into you from behind. Your company is a contractor working on a renovation project. An employee of one of the other contractors bumps a ladder, sending one of your employees to the floor with broken bones. Workers are welding on the property next to yours on a…Read more
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