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Your driving record is one of, if not the most, important factors considered by your auto insurance provider. The more of a risk you are, the more you’ll need to pay for premiums. In most cases, your insurer will re-evaluate your car insurance rates following an accident claim. READ MORE >>

INSURED The insured is a water and sewer pump company and employs 27. There are additional employees in two other states.   SITUATION An employee had undergone gall bladder surgery. He was released back to work full duty (without restrictions) three weeks later. READ MORE >>

While getting denied life insurance is a little uncommon, it happens more often than you might think. Nobody likes getting denied, especially when it comes to losing out on potential financial protection. Still, it tends to happen for the following reasons. Reason One: Diabetes READ MORE >>

INSURED This chain of full-service automobile dealerships employs more than 500 people divided into three work classes – dealer, auto sales people and clerical. The company does more than $250 million in business. SITUATION The frequency and severity of claims being incurred by the employer were staggering. READ MORE >>

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 >>

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