Each of our blogs are going to be covering specific types of insurance that a business owner needs to consider. In some cases we will breakdown the “Anatomy of” a policy. These sections of the blog will be intended to describe the policies in a layman’s way and help the business owner understand his or [...]
My dad told me when he was training me “that it is the job of an insurance agent to “comfort the afflicted and afflict the comfortable.” His quote is very true. I want our blogs to be a guide to help you feel comfortable and give peace-of-mind when you have the proper insurance protection, but [...]
The purpose of our blog is to be a practical guide to help business owners secure the proper coverage at reasonable and understandable (surprise-free) cost. There are too few, if any, books on the subject of insurance coverage for business owners and who would even buy such a book? ? What may be available is [...]
As Spring begins, we wanted to start a new blog series to help our community make great decisions on their insurance and risk management. Because of the vast variations of insurance coverage among the hundreds of insurance companies, the information in the blog content is not designed to interpret the actual policy of insurance a [...]
On March 3rd, 2020, a deadly tornado swept through Nashville and Middle Tennessee. Unexpected, frightening, and devastating are the words I have heard when people describe the early morning of March 3rd. Businesses were leveled and homes destroyed. This event, this unfortunate and very devastating disaster, is the reason insurance is so important to you, [...]
Beginning January 6, 2020 all companies that employ Commercial Drivers with Commercial Drivers License will be required to query the database and report all violations of the USDOT (United States Department of Transportation) drug and alcohol policy. By January 6, 2023, all employer will just use the electronic query of the database as opposed to [...]
If you didn't already know, we sell life insurance! Here's a link to a great article by on of our carriers discussing the importance of assessing your life insurance needs. Contact Derek Wirz at 423-504-4647 for a quote today! https://blog.cinfin.com/2018/09/18/life-insurance-assess/
Be aware that it is not legal to obtain a copy of the applicant's driver's license or any other identification at the pre-hire phase because it includes information that cannot be used in the hiring process, such as the applicant's date of birth. This information is to be obtained only after the employee has accepted [...]
This year we picked up a contractor that performs 90% of his work on residential properties. Look was lurking inside his old policies! An exclusion that made his general liability worthless! (And of course we fixed it!) If you are a business owner and looking for a second opinion on your insurance, please call me [...]
Many in the human resources profession say "hire for attitude and train for skill." However, the employer must also include the applicant's aptitude and integrity. Some employers ignore the proper hiring process because they "like" someone or need to place a warm body in a position. The employer with an undesirable and costly workers' compensation [...]
