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]
Michael Finati
The 15% Rule: What “Incidental Fuel” Actually Means in Propane Underwriting
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]
Flower Shop Insurance: What Your Delivery Operation Actually Needs
SUMMARY Flower shop delivery operations carry more liability exposure than most owners realize. When a personal auto claim gets denied mid-delivery, the damages, legal fees, and settlements fall on your… [Read More]
The Value of General Liability Insurance for Excavating Contractors: Ensuring Your Clients are Fully Protected
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…
Why Integrated Systems Create New Liability for Fire Alarms Service Providers
Summary: Integrated fire alarm systems have made contractor liability harder to see and harder to avoid. Understanding where your exposure lives after a job closes is the first step to… [Read More]
LPG Insurance and the Growing Scrutiny on Tank Installation Compliance
Summary: Compliance standards for LPG tank installations have tightened considerably across the U.S. LPG insurance written under older regulations may not cover what your work now demands. In this blog,… [Read More]
