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As a franchisee in the home service industry, your investment encompasses more than just the physical assets; it's about safeguarding...
January 21st, 2024 294 views 1 likes
An 'additional insured' is a person or organization not automatically included as an insured under an insurance policy, but for...
January 21st, 2024 294 views 0 likes
A 'waiver of subrogation' is an agreement within an insurance policy where the insurer gives up the right to seek...
January 21st, 2024 245 views 0 likes
Primary and non-contributory is a clause often found in commercial insurance policies. 'Primary' means that this insurance will be the...
January 21st, 2024 636 views 0 likes
A Certificate of Insurance (COI) is a document issued by an insurance company or broker that verifies the existence of...
January 21st, 2024 527 views 0 likes
In insurance, 'Occurrence' refers to the maximum amount your insurance company will pay for a single claim or event. 'Aggregate',...
January 21st, 2024 269 views 0 likes
An 'Admitted' insurance carrier is licensed and regulated by the state's insurance department. This means they must comply with all...
January 21st, 2024 296 views 0 likes
Filing an insurance claim is a process you undertake with your insurer to receive compensation for a loss covered under...
January 21st, 2024 225 views 0 likes
Claims-made and Occurrence are two types of insurance policies that differ in how and when they provide coverage. An 'Occurrence'...
January 21st, 2024 201 views 0 likes
Insurance is a financial tool that helps manage risks by providing a safety net against unexpected losses. For franchisees in...
January 21st, 2024 204 views 0 likes
Some surprises are nice — but an unexpected invoice with an additional premium due to an insurance audit definitely isn’t...
December 29th, 2023 356 views 0 likes
What is an Audit? A Business Insurance Audit is a review conducted by your insurance company to verify that the...
March 7th, 2024 729 views 0 likes
If you’ve received a surprise bill after your insurance policy term ended, you’re not alone. Audits are a standard part...
March 21st, 2025 36 views 0 likes
Fully Earned Policy A "fully earned" policy means that the insurance premium is non-refundable, regardless of when the policy is...
March 8th, 2024 1522 views 0 likes
Introduction In the insurance industry, correct classifications are fundamental to the integrity and effectiveness of the entire process. Accurate classifications...
July 16th, 2024 240 views 0 likes
Introduction Insurance quotes can vary significantly from one location to another, even within the same state. Several factors contribute to...
July 16th, 2024 226 views 0 likes
Introduction When seeking commercial insurance, you might come across significantly different quotes from various agents. Understanding the reasons behind these...
July 16th, 2024 236 views 0 likes
Introduction Commercial auto insurance rates can sometimes seem excessively high, leaving business owners wondering why they are paying so much....
July 16th, 2024 275 views 0 likes
Introduction Understanding your commercial insurance policy is crucial to ensure you are adequately covered. Exclusions are specific conditions or circumstances...
Why Franchisees Use Subcontractors Current Difficulty with Finding Employees: The tight labor market has made subcontractors an appealing solution. Avoidance...
December 29th, 2023 507 views 0 likes
Understanding the ACORD 25 Certificate of Insurance Introduction to ACORD In the U.S. insurance industry, ACORD (Association for Cooperative Operations...
November 5th, 2024 379 views 0 likes
In most cases, no, you do not need to request a W-9 from your insurance agent to issue a 1099-NEC....
January 27th, 2025 219 views 0 likes
Franchise owners know that insurance isn't just a checkbox—it's a strategic financial shield. But what many don't realize is how...
February 26th, 2025 94 views 0 likes
Understanding the Statement of Values (SOV) Schedule The Statement of Values (SOV) Schedule is a critical document used in insurance...
March 3rd, 2025 99 views 0 likes