Our Blog

  • Risk Management and Assessment for Business Investment Concept. Modern graphic interface showing symbols of strategy in risky plan analysis to control unpredictable loss and build financial safety.

    Top Business Insurance Risks For 2021

    According to a recent AMEX survey, 92% of businesses pivoted last year and 76% of small businesses believe they will need to pivot again in 2021 as companies adjust to new operational norms in a post-Covid environment.   Cyber Liability– Cyber liability and data theft is one of the hottest topics for businesses, risk managers, and insurance companies. […]

    March 21, 2021

  • Restaurant

    Restaurant Insurance: Cost Savings Strategies

    Most restaurants have experienced a staggering financial impact from COVID-19.  Since restaurants operate on low margins, they will need to find ways to reduce operating costs. If you are in search of commercial insurance for your restaurant you may find it difficult to find the coverage you need at a competitive premium. We market your […]

    March 19, 2021

  • meeting

    Advantages of an Independent Agent Like us!

      The Armstrong Company Insurance Consultants is an independent agency. This means we don’t work for anyone specific insurance company. Our home and auto pricing is very competitive. We have access to many markets, giving us the ability to shop your account and search the market for the best option for you. With captive insurance […]

    March 12, 2021

  • A Business Insurance Update Every business owns business property which may also include the building in which you run your operations. Property insurance protects the physical assets of your business – such as computers, office equipment, buildings, furniture, fixtures, and other property. Every company should have property insurance coverage to respond to the many risks associated with the damage or loss of business property. Property policies offer many unique coverages, some of which we have highlighted: • Building Coverage - allows you to quickly rebuild or repair buildings or other property damaged by fire, theft, natural disaster, or other covered events allowing you to return to normal operations. • Business Personal Property Coverage - covers the cost to repair or replace the contents in your building if they are stolen or destroyed by a covered unforeseen event. • Business Income Coverage - provides for continued income or lost revenues while the building and its contents are being rebuilt or replaced following a covered loss. Business income insurance helps you cover operating and ordinary payroll expenses during the “period of restoration”. • Fine Arts Coverage - covers loss or damage to artwork or sculptures housed in your building. • Building Ordinance or Law Coverage - supplements the increased cost of repair/construction to comply with the enforcement of building codes, ordinances or laws that are in effect at the time of a covered loss. For example, following a covered loss, building codes may require that you install a sprinkler system to bring your structure up to current specifications. • Outdoor Signs and Property Coverage - covers the cost to replace outdoor fences, signs, trees, and shrubs if damaged by a covered loss. • Equipment Breakdown Coverage - includes loss due to failure or breakdown of equipment such as boilers, heating systems, and electrical machinery. • Computer Coverage – covers the cost to replace or repair damaged hardware, software, data or media vital to your operations. • Back-up of Sewer - covers costs to repair or replace items damaged by back-up or overflow of a sewer or drain. • Earthquake Coverage - provides insurance to repair or replace damaged equipment and buildings resulting from an earthquake. Earthquake coverage is typically excluded under most standard property insurance policies.

    Property Insurance for Your Business

    A Business Insurance Update Every business owns business property which may also include the building in which you run your operations. Property insurance protects the physical assets of your business – such as computers, office equipment, buildings, furniture, fixtures, and other property. Every company should have property insurance coverage to respond to the many risks […]

    March 9, 2021

  • Why a basic Homeowners policy isn’t always enough

    Sometimes, a basic homeowners policy just isn’t enough. So as your career advances and your income increases, it’s important to keep your insurance protection up to date. This helps you avoid expensive gaps in coverage and prevents you from paying too much out of pocket in case of a claim. To be properly protected, you […]

    February 19, 2021

  • COvid 19

    COVID-19 Safety for Your Business

    Every business must have COVID-19 safety procedures in place in 2021. Helping your employees return to work safely and confidently during the coronavirus (COVID-19) pandemic is no easy task. At a minimum, employers must ensure social distancing for employees and customers, frequent and adequate employee handwashing, and that sick employees stay home. Employers must also […]

    February 19, 2021

  • insurnace

    General Liability and Professional Liability Insurance Defined

    There are several types of liability insurances to help protect your business from third party claims.  How to determine which ones best cover the risks for your particular company takes careful consideration and a knowledgeable insurance broker to help with risk assessment and evaluation.  Below we have summarized a few of the different types of liability insurance that […]

    February 11, 2021

  • Director & Officers Insurance

    D&O or Directors and Officers Insurance is a type of liability insurance covering directors and officers for claims made against them while serving on a board of directors or as an officer of a company.   In Executive Risks, ignorance isn’t bliss, it’s expensive.  So it pays to know when your D&O insurance policy will and […]

    February 10, 2021

  • Own a home? Here are two policy options you should know about

    If you have a homeowners policy, you probably expect it to cover all the costs of rebuilding your house in case it’s damaged or destroyed by a covered hazard. But are you certain you have enough coverage? Read about two common situations you may be unaware of — and the affordable options that can help […]

    January 27, 2021

  • 10 Tips to Help Prevent Identity Theft

    Shopping online. Visiting the doctor. Buying gas. In nearly all of the things we do from day to day, there’s the risk of identity theft. You could unknowingly give your information to a fraudster thinking you’re shopping at a legitimate site. Your doctor’s office could experience a data breach. Or, you could come across a […]

    January 5, 2021