+ CGL (Commercial General Liability)
+ Surety Bonds (Contract, Judicial,)
+ BOP (Business Owner’s Policy)
+ BPP (Building & Personal Property)
+ CPP (Commercial Package Policy)
+ B&M (Boiler & Mechanical)
+ Equipment Breakdown
+ E&O (Errors & Omissions)
+ D&O (Directors & Officers)
+ EPL (Employment Practices Liability)
+ Stop Gap Coverage (Employer’s Liability)
+ Workers’ Compensation
+ Crime (Employee, TDD, Burglary, Robbery)
+ Builder’s Risk
+ Umbrella & Excess
+ Business Interruption (Income & Extra Expense)
+ K&R (Kidnap & Ransom)
+ Floaters (Bailee, Equipment, Block,)
+ BAP (Auto, Garage, Carrier)
+ Storage Tank Pollution Liability
+ Marine (Ocean & Inland)
+ Farm & Crop
+ Boat & Watercraft
+ Commercial Auto
+ Aviation
+ Earthquake
+ Flood
+ Events
+ Concerts
+ Weather
+ Prize Indemnity (Hole-In-One contest, Etc.)

+ Group & Small Business Health
+ Limited Health
+ Disability
+ Short Term Medical
+ Dental
+ Accident (Travel & Blanket)
+ Sickness (Disease & Critical Illness)
+ AD&D (Accidental Death & Dismemberment)
+ Business Disability Income

+Contractors, Tradesmen, Artisans, Roofers, Etc.
+Holiday Lighting (Installation & Takedown)
+Alarm & Monitoring
+Lawyers & Attorneys (Legal)
+Accountants & Financing
+Architects
+Engineers
+Doctors
+Dentists
+Non-Profits
+501(c) Entities
+Real Estate Associations
+Churches & Houses of Worship
+Social & Human Services
+Community & Government Associations
+Theaters
+Schools
+Tattoo Parlors
+Farming
+Retail
+Self-Storage Facilities
+Manufacturing
+Trucking & Transportation
+Restaurants
+Bars & Taverns
+Pilots & FBO’s (Fixed Base Operations)
+Parades
+Fast Food
+Caterers
+Hotels & Motels
+Pedicabs
+Circus
+Medical Marijuana Dispensaries
+Petting Zoo
+Camps
+Sports, Fitness, Health Clubs & Martial Arts Facilities
+Day Care
+Day Spa
+Beauty, Nail & Barber Shops
+Drug Stores
+Shoe Store
+Dry Cleaners & Laundry
+Gift & Novelty Stores
+Chiropractor
+Real Estate Agents
+Record & CD Stores
+Musical Instrument Dealers & Stores
+Pizzeria
+Veterinarian
+Convenience Store
+Deli
+Grocery Store
+Productions & Equipment
+Snow Plowing
+Boat, Yacht & Marine Charters

Replacement cost is a method for valuing the reimbursement of property on an insurance policy.

The most important concept to understand in regards to replacement cost is “new for old, like kind and quality.” The insurance company is going to give you the amount of money (up to your policy limit) that it takes for the materials and labor to replace your home. In most cases, this is the preferred property valuation method.

Actual Cash Value is a method for valuing property after an insurance loss.

What many people do not realize about actual cash value is that depreciation is taken out of the payment from the insurance company. If you have a kitchen fire and the cabinets in your kitchen are twenty years old. The company is going to pay you for twenty year cabinets. Not what it will cost to replace those cabinets today.

Most property owners prefer to insure their property at replacement cost instead of actual cash value.

The importance of having the first named insured listed correctly on any insurance policy is because of the rights and responsibilities associated with first named insured status.

The first named insured has the right to be notified upon cancellation and also is entitled to any refunded premium dollars.

Additionally, the first named insured is responsible for any premium obligations in the event there is money owed to an insurance company after cancellation.

These are just a few examples of the rights and responsibilities associated with first named insured status.

It is crucial that the first named insured be listed properly on all insurance policies.

According to the Federal Trade Commission, based on the numerous studies that have been done on the issue of credit score and insurance premiums, there is a direct relationship between credit score and an individuals propensity to get into severe car accidents as well as cancel for non-payment.

This has lead 46 out of the 50 states in the US to allow insurance companies to use credit score when determining auto insurance and home insurance premiums.

For you the insurance consumer this means that it is important to have a good handle on your credit score and try to keep it as high as possible because a low credit score is going to mean higher insurance premiums in most states.

Every insurance carrier uses credit score to different degree so talk to your insurance professional about the best carrier for you.

Vacant homes can be tricky to place insurance on. This is because most of the well-known standard insurance carriers do not want to write insurance for vacant homes.

Statistically speaking vacant homes are much more likely to have a loss than an occupied home.

You want to make sure that you disclose that the building is going to be vacant, what the procedures are for securing the building and how long you plan for the building to be vacant.

Then do business with an insurance carrier that specializes in vacant homes.