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March 4, 2024
ramaticiins

Builders Risk Insurance: Understanding What’s Covered

Builders risk insurance is a specialized form of property coverage that can help protect buildings and other structures under construction. Also known as course of construction insurance, such coverage can assist with various expenses that may result from property damage amid construction projects. Although specific coverage capabilities vary between insurers, a typical builders risk policy […]
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October 3, 2023
Agency

Why You Should Work With an Independent Insurance Agency

Sometimes, you might see advertisements for cheap auto insurance that offers fast, easy enrollment online without the hassle of talking to a pushy salesperson. This might sound like it’s a simple, practical way to get the auto insurance you need as efficiently as possible. However, is it really a wise step to take? Should you […]
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September 20, 2023
Agency

Understanding Premium Audits

Audits can be daunting for businesses. An IRS or insurance audit or a vendor needing records can be a stressful experience. However, as long as you’re prepared, there is no need to dread an insurance premium audit. What Is a Premium Audit?   The purpose of a premium audit—which is conducted by either your insurance […]
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August 11, 2023
Agency

Wildfire Preparedness Guide for Businesses

Presented by: Don Ramatici Insurance Wildfires are unplanned, uncontrolled and unpredictable fires resulting from lightning and human causes, such as campfires, downed utility wires and cigarette butts. Direct flames, radiant heat from nearby burning plants or structures, and flying embers from wildfires can pose risks to businesses, homes and people. Wildfires can have a profound […]
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January 17, 2023
Agency

Is It Time to Look for a New Business Insurance Policy?

It can be easy to forget about your insurance policy when you are not actively paying a premium or renewing the policy. However, a little consideration outside of these times can go a long way and help your business. It’s important to review your policy periodically to make sure it still fits your business’s needs. […]
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November 16, 2022
Agency

The Right Insurance for Your Small Business

Every business, big and small, faces various risks every day. Some of these risks are minor nuisances, while others may threaten to halt operations. You can help combat the effects of these risks by equipping your business with the right insurance policy. For small businesses, there are three main options to protect your interests.    […]
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September 16, 2022
Agency

Hiring a Contractor

Your home is one of the most important investments you will ever make. As such, you want to make sure it is in good condition and appeals to your tastes. Home improvement projects are great ways to make your home unique to you. While some projects are small enough to handle on your own, others […]
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August 15, 2022
Agency

Beyond Basic Business Insurance: Your Need for Cyber Risk Mitigation

In today’s data-driven environment, businesses face more cyber risks than ever before. Cyber risk is a growing threat to all companies, regardless of size. A basic business owner’s policy may not include coverage for cyber threats.    What Are Cyber Threats?    The term cyber threat can apply to a variety of situations. In general, […]
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July 26, 2022
Agency

How to Boost Employee Morale

How to Boost Employee Morale  A positive workplace culture is an essential part of any business. As an employer, you know this often comes down to your employees—their work ethic, their attitude and other factors. If your staff feels stressed, frustrated or otherwise unhappy, the workplace environment may take a turn for the worse as […]
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June 15, 2022
Agency

Has Your Business Missed These Coverages?

Do you take the time to review your business insurance policy each year or do you simply sign the renewal notice? Everyone’s guilty of taking the easy way out at least once. But if you review your policy with an independent insurance agent, you may find that you’re missing some vital coverages, which you can […]
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