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Today’s business owners, start-up gurus and budding entrepreneurs love learning the ins and outs of business insurance. Between policy shopping tips, finding package policies and working on loss prevention, it seems there are a ton of money-saving approaches to policy planning. So, what about taxes? READ MORE >>

INSURED The insured is an HVAC service company with approximately 23 employees and estimated sales of $4 million. SITUATION The company was in serious danger of losing one of its biggest accounts, a leading national paper manufacturer. READ MORE >>

INSURED Located in Wisconsin, this auto repair business also does retail parts sales and auto dismantling. The company employs seven people. SITUATION The Rating Board showed up unannounced to undertake a classification audit. READ MORE >>

INSURED This company specializes in glass for commercial entrances and storefronts, construction glazing and retail glass sales. With 40 employees, the company has sales revenue in 2005 of approximately $2.5 million. Situation The CWCAs began insuring this client in 1995. READ MORE >>

Most drivers need auto insurance that matches their vehicle’s value. However, some drivers need to consider the risk they present to determine what coverage they need. If you had an accident in the past, you may need different coverage because you are a high-risk driver. READ MORE >>

In some situations, your home insurance policy may help cover the costs to repair or replace your roof. After a thunderstorm or significant hail storm, you may want to take a closer look at this. The good news is that all it usually takes is to get an inspection. Your inspection helps the insurer know what caused the damage. READ MORE >>

INSURED School for "Exceptional Children" (autism, down syndrome, etc.); 300 employees; safety committee 19 staff members. SITUATION 1.88 experience mod, 300% loss ratio, which means the insurance company paid out to doctors, pharmacies, and other medical providers three times more than the premium paid to the insurance company by the School. READ MORE >>

When obtaining life insurance, it is always a good idea to think long term. When you buy a policy at a younger age and when you are healthy, you may be able to maintain it long-term without many risks. Yet, if your term is up and you need a new policy, your health may become a factor. READ MORE >>

INSURED This grading contractor employs 42 people with annual revenues of approximately $3 million. SITUATION The company had been with the same broker for 21 years. The broker had never audited or verified the insured’s Experience Modification Factor and routinely accepted the Mod Worksheet provided by NCCI as accurate and correct. READ MORE >>

Many small business owners understand that they need business insurance but aren’t exactly sure where to begin in the process. However, it is never a good idea to go into purchasing commercial insurance blindly. Instead, choose a policy that takes your unique risk and needs into account. READ MORE >>

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