HVAC Business Insurance: What You Need To Know
construction
HVAC Business Insurance: What You Need To Know
Austin Landes, CIC
HVAC contractors face a unique risk in the construction industry. Nearly every building in the United States has heat and air, and operations can range from small residential units to large industrial facilities with demanding needs. Mistakes happen. Even if you do everything perfectly, you can still get involved in a lawsuit or be accused of poor workmanship. And that's where HVAC business insurance comes in – to pay for these events so your business isn't negatively impacted. Read More
construction HVAC Business Insurance: What You Need To Know
Austin Landes, CIC
HVAC Business Insurance: What You Need To Know
HVAC contractors face a unique risk in the construction industry. Nearly every building in the United States has heat and air, and operations can r...Read More
construction A Guide To Contractor Insurance in 2020
Austin Landes, CIC
A Guide To Contractor Insurance in 2020
In construction, no two contractors have the same insurance policy. It is essential that you know the basics of what you have and what you might ne...Read More
business Startup Business Insurance - Everything You Need To Know
Austin Landes, CIC
Startup Business Insurance - Everything You Need To Know
Starting a business is challenging. It requires an incredible amount of dedication, work, and capital. It also demands trust, not only from future ...Read More
business Commercial Vs. Personal Auto Insurance - What's The Difference?
Austin Landes, CIC
Commercial Vs. Personal Auto Insurance - What's The Difference?
We frequently get calls from small business owners and independent contractors about commercial insurance vs. personal insurance, and what sort of ...Read More
business What Is a Monoline Policy?
Austin Landes, CIC
What Is a Monoline Policy?
A monoline insurance policy is a term that refers to a stand-alone insurance policy that provides coverage for a risk that is typically included un...Read More
business Personal Use Of Company Vehicles: What To Know
Austin Landes, CIC
Personal Use Of Company Vehicles: What To Know
Many companies are allowing their employees to drive business vehicles for personal use, whether it’s an owner driving to the store or an employee ...Read More
business Top 4 Benefits of Commercial Insurance
Austin Landes, CIC
Top 4 Benefits of Commercial Insurance
From space shuttle launches to local restaurants, businesses in every industry utilize insurance to protect their investments and cash flow. Althou...Read More
construction Liability For Defects In Construction - Who Is Responsible?
Austin Landes, CIC
Liability For Defects In Construction - Who Is Responsible?
A construction defect occurs when a portion or the entirety of a construction project fails to comply with the agreements laid out in the contract....Read More
business Hiring a Contractor Without Insurance - What Are The Risks?
Austin Landes, CIC
Hiring a Contractor Without Insurance - What Are The Risks?
If you’re a homeowner, business owner, or real estate investor, your properties require maintenance. Roofs wear down, plumbing leaks, and sometimes...Read More
business Agreed Amount Endorsement - What Is It?
Austin Landes, CIC
Agreed Amount Endorsement - What Is It?
The agreed amount endorsement form, often known as the agreed value clause, is an endorsement added to a property policy when the insured and the i...Read More
business What Is A Business Owners Policy (BOP)?
Austin Landes, CIC
What Is A Business Owners Policy (BOP)?
Business owners policies are designed to accommodate small and low-risk businesses. These companies typically don't need a custom-built insurance p...Read More
business Coronavirus & Your Business: Downloadable Resources
Austin Landes, CIC
Coronavirus & Your Business: Downloadable Resources
A comprehensive list of resources to help your business plan for the impact of Coronavirus (COVID-19).
business COVID-19: The Emergency Guide To Remote Employees
Austin Landes, CIC
COVID-19: The Emergency Guide To Remote Employees
This video is for the small to medium‐sized businesses that were caught off guard by the recent pandemic. For those that are currently faced with t...Read More
business Top 3 Small Business Risks To Be Aware Of
Austin Landes, CIC
Top 3 Small Business Risks To Be Aware Of
There are many small business risks that you will face, some greater than others. Taking a proactive approach to managing these risks will reduce t...Read More
business 3 Defective Product Examples Your Business Can Learn From
Austin Landes, CIC
3 Defective Product Examples Your Business Can Learn From
If you have a business that designs, manufactures, or constructs products, you are exposed to liability once the product is out on the market. Liab...Read More
churches Religious Institution Insurance - An Overview
Austin Landes, CIC
Religious Institution Insurance - An Overview
Religious institutions have risks unlike any other private or public institution. They are tasked with not only teaching their students or serving ...Read More
business What Is EPLI Insurance?
Austin Landes, CIC
What Is EPLI Insurance?
As an employer, you have a tremendous responsibility. You are responsible for not only adhering to numerous laws, but also for handling extremely s...Read More
churches Insurance For Houses Of Worship - Explained
Austin Landes, CIC
Insurance For Houses Of Worship - Explained
As a pastor or church administrator, you are not only tasked with leading your congregation; you also have to create a stable financial foundation ...Read More
construction Welding Insurance Coverage For Your Business
Austin Landes, CIC
Welding Insurance Coverage For Your Business
From oil pipelines to aviation, welders have their hands in a lot of industries – and with that comes substantial risk. As a welder, it is importan...Read More
construction Self Employed Tradesman Insurance - What Is it?
Austin Landes, CIC
Self Employed Tradesman Insurance - What Is it?
When talking about construction, we often think about large construction companies building huge buildings or stadiums, yet over 23% of constructio...Read More
business What Are SME Insurance Products?
Austin Landes, CIC
What Are SME Insurance Products?
There is a virtually unlimited number of different coverage options and combinations. However, there are some core coverages that every small and m...Read More
business Commercial General Liability (CGL) Insurance - Explained
Austin Landes, CIC
Commercial General Liability (CGL) Insurance - Explained
The commercial general liability (CGL) insurance policy is one of the most common business insurance policies in America. This broad coverage insur...Read More
business What Is Excess And Surplus Insurance?
Austin Landes, CIC
What Is Excess And Surplus Insurance?
There are many differences between excess and surplus versus standard insurance companies – often referred to as non-admitted and admitted, respect...Read More
manufacturing Manufacturing Insurance: What To Do Before Getting Your Quote
Austin Landes, CIC
Manufacturing Insurance: What To Do Before Getting Your Quote
Manufacturing companies are an essential component of society. Every product has been designed and built to specifications. Whether you are manufac...Read More
food & beverage What Is Food And Drink Insurance?
Austin Landes, CIC
What Is Food And Drink Insurance?
Running a restaurant or similar business is very complicated and comes with an incredible amount of responsibility. So how can your protect yoursel...Read More
business Advantages And Disadvantages Of Usage-Based Insurance
Austin Landes, CIC
Advantages And Disadvantages Of Usage-Based Insurance
Usage-based insurance (often called telematics-based insurance) is a growing feature of both personal auto and commercial auto insurance policies. ...Read More
non-profit Directors And Officers Insurance Claims For Nonprofits
Austin Landes, CIC
Directors And Officers Insurance Claims For Nonprofits
As a director or officer of a nonprofit, you could be held personally liable for financial damages caused by you as a board member. Depending on th...Read More
business Commercial Insurance 101: An Introduction
Austin Landes, CIC
Commercial Insurance 101: An Introduction
Commercial insurance can seem complicated. There are virtually unlimited options for you to purchase or not purchase. Knowing the basics with some ...Read More
construction Understanding Subcontractor Insurance - What You Should Know
Austin Landes, CIC
Understanding Subcontractor Insurance - What You Should Know
Subcontractor insurance can protect your business and investments in one of the most high-risk industries out there. It is important to know what y...Read More
business Commercial Insurance Renewal Process: An Overview
Austin Landes, CIC
Commercial Insurance Renewal Process: An Overview
The commercial insurance renewal process will look significantly different for every business. Still, each renewal involves some common elements of...Read More
construction Common Subcontractor Insurance Requirements
Austin Landes, CIC
Common Subcontractor Insurance Requirements
As a subcontractor, you have a unique set of insurance challenges and requirements that workers in no other industry faces. You need a flexible ins...Read More
business What Is Extra Expense Coverage?
Austin Landes, CIC
What Is Extra Expense Coverage?
Most business continuity insurance (also called business income insurance) involves extra expense insurance. This coverage can be found within the ...Read More
business What Is D&O Insurance?
Austin Landes, CIC
What Is D&O Insurance?
D&O insurance provides a great set of coverage that most organizations could greatly benefit from. Similar to how you purchase general liability in...Read More
business What Is Time Element Insurance Coverage?
Austin Landes, CIC
What Is Time Element Insurance Coverage?
Time element coverage insurance refers to claims of monetary loss due to the inability to use a property as a result of damage. The amount of money...Read More
business Business Interruption Insurance - What's Covered?
Austin Landes, CIC
Business Interruption Insurance - What's Covered?
Business interruption insurance is the most important property insurance a small business can buy. In the event of a business interruption event, t...Read More
business What Is Excess Insurance?
Austin Landes, CIC
What Is Excess Insurance?
The majority of business liability insurance policies come with liability limits of $1,000,000 per occurrence - but is this enough? $1,000,000 is n...Read More
business What Is Premises Liability Insurance?
Austin Landes, CIC
What Is Premises Liability Insurance?
If you have a business location, whether it be an office or a storefront, the chances are that you have some premises liability risk. From customer...Read More
business What is a Risk Management Consultant?
Austin Landes, CIC
What is a Risk Management Consultant?
A risk management consultant is an advisor who helps organizations and individuals assess their risk and develop a plan to minimize their exposure ...Read More
business Commercial Risk Management - Why Your Business Needs It
Austin Landes, CIC
Commercial Risk Management - Why Your Business Needs It
Commercial risk management is a strategy that organizations use to secure their assets, minimize liabilities, and protect the cash flow of their or...Read More
business Business Insurance Coverage - An Overview
Austin Landes, CIC
Business Insurance Coverage - An Overview
Every business, large and small, has unique exposures to risks. Although there are many ways to handle your business vulnerabilities, the most popu...Read More
business What Is A Hammer Clause? (Definition & Examples)
Austin Landes, CIC
What Is A Hammer Clause? (Definition & Examples)
Even though the hammer clause is just a small paragraph within an extensive insurance program, it can have a significant impact on your professiona...Read More
business What Are Risk Mitigation Strategies?
Austin Landes, CIC
What Are Risk Mitigation Strategies?
As a business owner, you are surely aware of how your business runs and what goals you need to meet for your business to grow and thrive. But, hav...Read More
business Workers Compensation Experience Modifiers: What You Need To Know
Austin Landes, CIC
Workers Compensation Experience Modifiers: What You Need To Know
The workers compensation experience modifier can drastically affect the pricing of your insurance program. Here is what the experience modifier is,...Read More
business Is Your Business Insurance Policy Ready For Tornado Season?
Austin Landes, CIC
Is Your Business Insurance Policy Ready For Tornado Season?
Spring is here and, for many, that means tornado season is in full swing. As a business owner, you need to know and understand the terms of your in...Read More
real estate What Does Building Owner's Property Insurance Cover?
Austin Landes, CIC
What Does Building Owner's Property Insurance Cover?
As an owner of revenue generating real estate, the chances are that you have significant assets tied up in the property. It is not only vital that ...Read More
real estate The Importance of Liability Insurance for Residential and Commercial Landlords
Austin Landes, CIC
The Importance of Liability Insurance for Residential and Commercial Landlords
The liability risks associated with owning leased real estate and apartments property can be enormous. Keeping up with activities of tenants, their...Read More
construction CG 2294 - The Subcontractor Exclusion
Austin Landes, CIC
CG 2294 - The Subcontractor Exclusion
The subcontractor exclusion and why you should look out for it
transportation Telematics and Usage-Based Auto Insurance
Austin Landes, CIC
Telematics and Usage-Based Auto Insurance
Could telematics or usage-based insurance (UBI) prove to be an effective solution to lower business auto insurance rates?
business How to Incorporate Your Business in Oklahoma
Austin Landes, CIC
How to Incorporate Your Business in Oklahoma
Incorporating your business is a critical step in managing your risks. Here are 7 steps to incorporate your business in Oklahoma.
news LandesBlosch Honored With Legacy Award
Austin Landes, CIC
LandesBlosch Honored With Legacy Award
Brotherhood Mutual honors Louis Blosch with Legacy Award at their 100th anniversary banquet.
construction Do Independent Contractors Need Workers Compensation Insurance?
Austin Landes, CIC
Do Independent Contractors Need Workers Compensation Insurance?
Different ways that independent contractors can handle their workers compensation requirements.
business What Does General Liability Insurance Cover?
Austin Landes, CIC
What Does General Liability Insurance Cover?
Whether it be a slip and fall, your product harming someone, or even frivolous lawsuits; you need to know how your commercial liability insurance w...Read More
business The Real Cyber Risk
Austin Landes, CIC
The Real Cyber Risk
If you are like most small to medium sized businesses in America, you do not have a team of cyber security experts on staff. Even though nothing ca...Read More