Loss runs are an important part of evaluating a propane account, but they rarely tell the full story. A loss may show what happened. It does not always show… [Read More]
Michael Finati
About Michael Finati
Michael serves as Program Manager for the LandPro program with over 15 years of P&C experience with extensive experience on the carrier side. Michael earned his degree in Business Administration from William Paterson University and obtained his MBA in Finance from St. Peter’s University.
Beyond the Loss Runs: How To Tell the Full Story of a Propane Account
How subcontracted work changes a pool contractor’s risk profile
Pool construction and renovation projects often involve several specialized trades. A pool contractor may rely on subcontractors for excavation, concrete, electrical work, plumbing, plastering, decking, or other parts of… [Read More]
After Peak Season: 5 Questions Brokers Should Ask Pool Contractor Clients
“A busy season can change a pool contractor’s operation quickly. New employees, vehicles, equipment, service routes, or a shift in the type of work being performed can all make the… [Read More]
Landscaping in Transition: How to Keep Clients Covered Through Seasonal Business Shifts
Seasonality in the landscaping business isn’t a new concept, but it’s beginning to evolve. Traditionally, landscaping companies have endured the “busy seasons” of spring and summer, shouldering hefty workloads to… [Read More]
Spotting a Propane Leak: 5 Signs Your Crew Should Never Ignore
Summary A missed propane leak can escalate into explosion, fire, and injury claims all at once. Knowing the five warning signs and how to respond keeps your crew protected and… [Read More]
The Significance of Green Cleaning Certification for Your Janitorial Business
Summary Janitorial businesses without green cleaning certification are losing access to a growing share of premium contracts. Knowing what certification actually involves and how it changes your risk profile is… [Read More]
How wildfire exposure and contract requirements can affect utility contractor insurance
Utility contractors may encounter wildfire-related insurance concerns even when wildfire response is not their primary operation. Work locations, contract requirements, fleet activity, subcontracting, and emergency-response assignments can all change… [Read More]
5 Tips for Controlling Janitorial Expenses for New Businesses
Summary New janitorial businesses often lose margin because their janitorial expenses are not fully accounted for from the start. Understanding which costs to track, separate, and manage tightly is what… [Read More]
Propane Gas Retailers and Insurance Costs: Factors That Decide Your Premium
Summary: Premiums reflect propane gas retailers operations because underwriters price what they can verify from documented habits. Your price moves with safer fleets, resilient plants, cleaner records, and disciplined contracts…. [Read More]
Urban vs. Residential Landscaping: Why Location Changes Everything
The landscaping industry is known for a wide variety of risks, from worker injuries and property damage to inland marine losses and motor vehicle accidents. Though these risks can vary… [Read More]
