Category: Work Comp


  • 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

  • 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

  • building

    Commercial Property Insurance and Additional Coverages

    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

  • Simple Steps to a Safe Workplace

    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

    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

    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

    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

  • Workers’ Compensation Best Practices

    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

  • 2019 Business Predictions

    A Business Insurance Update 2019 is set to be a very good year for businesses.  We can count on many business-friendly policies and administrative rules that will help companies prosper. In addition, many communities are promoting the support of local businesses.  With the economy still strong, more people are buying goods and services. One of […]

    March 19, 2019

  • Reduce Your Work Comp Costs

    As a supervisor, you play an important role in an ill or injured employee’s recovery and return to work. When an employee has the opportunity to return to work you can often help speed recovery by providing certain accommodations.  Your organization and employee can both benefit from “transitional” duties such as modified work, alternative work […]

    August 12, 2018