Summary: Pool equipment distributors carry liability exposure in every quarter, not just during peak season. Understanding how risk shifts across the year is what keeps coverage from falling short when… [Read More]
Michael Finati
Year-Round Insurance Considerations for Pool Equipment Distributors
Commercial Construction Companies: Who Pays for Job Site Damage?
Summary Third-party property damage on a commercial build can pull multiple policies, contracts, and parties into the same claim simultaneously Without the right coverage stack, commercial construction companies risk absorbing… [Read More]
Lawn Maintenance Services: Spring Coverage Gaps to Fix Now
Summary Spring hiring surges, route expansions, and chemical applications all change your risk profile in ways a standard policy may not cover. Coverage gaps in workers’ comp, commercial auto, and… [Read More]
From Repairs to Remodels: Choosing the Right Pool Insurance for Every Project
SUMMARY ● Pool contractors face different risk levels across repairs, maintenance, remodels, and new builds, and most standard policies don’t account for that. ● The wrong coverage for your project… [Read More]
The 15% Rule: What “Incidental Fuel” Actually Means in Propane Underwriting
Most propane submissions that get declined aren’t declined because the account is bad. They’re declined because of a line item nobody flagged on the way in. Usually, it’s fuel mix. Propane-specific programs, including PropanePro, are built for retail… [Read More]
Five spring risk conversations brokers should have with pool contractors
Spring is when pool risk starts moving For pool businesses, spring is more than a seasonal ramp-up. It is the point in the year when the exposure profile starts to… [Read More]
Preventing Landscaping Equipment Theft: What Every Business Should Know
SUMMARY Landscaping businesses lose thousands of dollars per theft incident, and most of that damage comes after the equipment is gone. Trailers, mowers, and handheld tools are prime targets, and… [Read More]
The Powerline Contractor Risk Profile: What makes this class different to insure
Powerline contractors are not your average construction risk. The combination of energized infrastructure, heavy fleet operations, and high-severity exposure puts this class in a category of its own, and… [Read More]
Hidden Risks in Janitorial Services That Impact Business Growth
Protecting your employees is vital to keeping your small business running. In this article, we’ll cover how Workers’ Compensation can protect your business and employees when an accident occurs…
What Brokers Need to Know About General Liability for Landscapers
With total revenues exceeding $150 billion and a compounding annual growth rate of around 9% over the past decade, the landscaping industry offers plenty of opportunity. Whether you’re a broker… [Read More]
