It is a fact that many employers actually overpay for their workers’ compensation premiums. According to the latest reports, employers are paying around 20% more in surcharges than they need to. Most surcharges come from increases in the experience modification factor (mod). The experience mod is a factor unique to each employer. In simple terms, […]
March 25, 2023
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
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
Workers’ Compensation Insurance Almost every business needs, and is required to have, workers’ compensation (WC) insurance. Most states (with a few important exceptions) essentially require employers to purchase a workers’ compensation insurance policy to handle their statutory obligations to workers who are injured or made ill due to a workplace exposure. We often have this […]
January 22, 2021
One of the most common types of business insurance, commercial property provides a wide range of coverage for buildings and contents such as, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered on a standard policy, a separate policy, or […]
September 14, 2020
A Business Insurance and Risk Update Employers are responsible for providing a safe work environment for their employees. Here is an unbelievable fact from the Occupational Safety and Health Administration (OSHA). Before OSHA was created 43 years ago, an estimated 14,000 workers were killed on the job every year. Today, workplaces are much safer and […]
January 11, 2020
Why It Is Important to Have Us Review Your Lease Agreements A Business Insurance Update Most businesses enter into lease agreements from time to time. These agreements might involve equipment, buildings or other products and or services. Every lease agreement has insurance provisions. Your commercial insurance may or may not respond to the lease requirement, […]
December 11, 2019
Armstrong Insurance The Commercial Insurance Professionals We live in world where lawsuits are common. Private firms are no longer immune from litigation from employees, competitors and even the government. Management or professional liability insurance is not just good business; it is as necessary as heat and lighting for your office. Statutes, federal and state laws […]
October 8, 2019
Competitive Contractors Insurance Contractors insurance provides insurance and risk services to the construction industry. Insurance can play an important role in “on time and on budget projects”. If your insurance coverage is not written correctly, your business may not financially survive a loss. Your success depends on proper planning, whether you’re estimating a project, hiring […]
June 25, 2019
As a business owner, you go to great lengths to provide a safe working environment for your employees. But when dealing with humans, accidents can happen and Workers’ Compensation Insurance can help. Workers Compensation Insurance should be an important part of your risk management program. What is Workers’ Compensation? Workers’ compensation insurance is insurance that […]
March 22, 2019