eric cervantes: COMMERCIAL AUTO VS. PERSONAL AUTO
- 07/19/11 01:25 AM
COMMERCIAL AUTO VS. PERSONAL AUTO Click Here to Read Other Great Articles from Eric Cervantes Many business owners can be intimidated by the word "commercial" when it comes to an automobile policy. I know many business owners who are individual owners and prefer to have their auto policy on a personal auto plan rather than a commercial auto plan. In most cases they have never even tried to shop a commercial auto policy. Typically if the automobile is being used for business purposes and owned by the business/individual owner then you are putting your business at risk by having the auto … (2 comments)
The Importance in Employment Practice Liability Insurance- EPLI.
The business environment has become increasing unpredictable. It seems there is a lot less loyalty between employers and employees. This exposure leaves the door open for wrongful termination suits. As a business owner you are at risk no matter what your business practice. I know a lot of companies have specific ways to hire and fire employees and it is written in procedure. This is a great risk control to have it place but it is important to think about … (2 comments)
There are so many different types of insurance coverage that a business owner must consider. A fundamental truth in the insurance business is there is no such thing as an all-inclusive policy. What I mean is that every policy is going to have exclusions which can create coverage gaps. One of the most obvious examples of this is the "Pollution Exclusion" on general liability policies. I imagine majority of business owner don't even know this exclusion exists and what is worse is there is a percentage of insurance agents who don't know about this exclusion … (0 comments)
eric cervantes: What does a "Soft" Insurance Market Mean to Business Owners?
- 04/20/11 01:29 AM
http://kwcommercialsa.com/blog/?p=979 What Does a "Soft" Insurance Market Mean to Buisness Owners? In the last few years there has been a lot of talk in the insurance industry about "soft" markets. When is the soft market going to end? Will it continue to stay soft this year? How has the soft market affected your company? There has been a lot of buzz in regards to the soft market and there is good reason to keep tabs.
How does a soft market affect my company? Depends on the operation but generally speaking a soft market can provide opportunity for more competitive … (0 comments)
7 Talking points a business owner must consider to better protect their business
In my time in insurance I have come across few business owners who are happy about their insurance expenses. Who wants to budget for an intangible product that you may never use? This is a common theme I come across daily and usually get three different perspectives.
Perspective 1: I have been in business 20 years and never had a loss! I don't know why … (6 comments)
Business News San Antonio - Is he an employee or an independent contractor? – Commercial Insurance – Ask the Experts - Click here to read this great article from Eric Cervantes
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