Many Broker-of-Record Letters Based on Deceit

Sometimes it pays to be a skeptic It’s always important to not just read, but understand anything you sign.  A Broker-of Record or Agent-of-Record letter is formal notification giving an agent or broker authority to access insurance carriers that have…

Why Are My Premiums So High?

What every Product Liability insurance shopper wants to know There is a primary reason most start-ups and small businesses don’t qualify for low minimum premiums for product liability. It’s because they don’t qualify to place with a standard or admitted…

Are Your Personal Assets Really Protected by Incorporating Your Small Business?

A common misconception among owners of incorporated business owners is that they have no personal liability in the event of a product liability claim.  Probably 65% of all the incorporated start-up businesses that contact me tell me they would not purchase…