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Yes, there is such as thing called over insured. Just like a too much of a good thing, being over insured means that you have more insurance than you need or can afford. This can happen for a number of reasons, such as:

• Duplicate coverage: You may have two or more policies...

Your cost of workers' compensation insurance is determined by a number of factors, including payroll, industry, claims history, location, size of business, safety record, and type of work performed. By shopping around, improving your safety record, and working with an insurance broker, you can get the best possible price on...

Climate Change Risk Mitigation 

Climate change is one of the biggest challenges facing our world today. It is already causing more extreme weather events, such as hurricanes, floods, and droughts. These events are having a devastating impact on communities and businesses around the world.

Insurance can play a...

Sustainable insurance is a type of insurance that takes into account environmental, social, and governance (ESG) factors when underwriting policies and paying claims. It is a relatively new concept, but it is gaining popularity as businesses and individuals become more aware of the importance of sustainability.

Here are some examples...

Business umbrella insurance is a type of liability insurance that provides extra coverage above and beyond the limits of your other business liability policies. It can help protect your business from financial losses resulting from lawsuits, such as those alleging bodily injury, property damage, or personal and advertising injury.

Umbrella...

What are the most common injuries at workplaces and some recommended preventive measures?

Workplace injuries are a common occurrence, and they can have a significant impact on both employees and employers. In addition to the physical and emotional pain and suffering that injuries can cause, they can also lead to...

What Happens When You File an Insurance Claim After the Deadline?

Insurance policies have deadlines for filing claims. These deadlines vary depending on the type of insurance policy and the state you are in. If you file a claim after the deadline, your insurance company may deny your claim.

Here...

What Happens When Your Business Insurance Policy Expires?

Business insurance is essential for protecting your business from financial losses in the event of an accident, lawsuit, or other unforeseen event. However, if your business insurance policy expires, you could be left without coverage.

Here are some of the things that...

5 Questions to Ask Your Insurance Broker About Professional E&O Insurance

Professional E&O insurance, also known as errors and omissions insurance, is a type of liability insurance that protects businesses and professionals from claims of negligence, misrepresentation, or mistakes made in the course of providing services. If you are a...

How an Insurance Broker Can Help You With Your Risk Management

Risk management is the process of identifying, assessing, and controlling risks to an organization. It is an essential part of any business, but it can be complex and time-consuming. That's where an insurance broker can help.

An insurance broker...