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Cover Image for What is an Insurance Exclusion?

What is an Insurance Exclusion?

Insurance exclusions limit the type or amount of coverage you receive through your insurance policy. Here is everything you need to know about exclusions.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
5 minute read
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How Do I Protect Against Personal Injury Liability?

How can you protect your business to ensure one bad lawsuit doesn’t leave you bankrupt? Here are the answers to those questions and more of what you need to know if you find yourself in this situation.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
6 minute read
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How Much Does Business Insurance Cost Per Month?

“How much does business insurance cost per month?” The answer is complicated—it depends on the business, industry, types of coverage, and more. Here is what you should know.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
12 minute read
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Welding Insurance Coverage For Your Business

From oil pipelines to aviation, welders have their hands in a lot of industries – and with that comes substantial risk. As a welder, it is important to know what your insurance policy covers. But more importantly, you should know what isn’t covered. Welding insurance coverage is notorious for having limited options and policies with a lot of exclusions.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
7 minute read
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Understanding Machine Shop Business Insurance

Running a machine shop has its challenges. For many owners and executives, finding quality insurance can be one of them. Here are the coverages you need and the best way to find insurance for your business.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
17 minute read
Cover Image for What Is A Certificate Of Liability Insurance (COI)?

What Is A Certificate Of Liability Insurance (COI)?

A certificate of liability insurance is proof that you possess liability insurance coverage. This document describes the types of liability coverage you have; it also details the coverage and provides information about the insurance company issuing the coverage.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
14 minute read
Cover Image for What Insurance Policies Protect You From Legal Liability?

What Insurance Policies Protect You From Legal Liability?

Even if you take every possible precaution with your business, you can still find yourself on the wrong end of a costly lawsuit. The best way to protect yourself and your business from the most devastating legal liability is to identify your greatest risks in your business, and purchase an insurance policy that will cover those exposures.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
7 minute read
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Are General Contractors Responsible For Subcontractors?

In short, general contractors are responsible subcontractors in both a professional and legal sense—and that working relationship will often link their fates in the case of a lawsuit. If you’re worried about the risks that implies, there are ways to protect yourself, whether you are the general contractor or subcontractor.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
9 minute read
Cover Image for Subcontractor vs. Independent Contractor: What To Know

Subcontractor vs. Independent Contractor: What To Know

The terms subcontractor and independent contractor are often confused or misused. To protect yourself and your business from risk, it’s important to know the key differences and how your dealings with each should be structured.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
7 minute read
Cover Image for What Insurance Do Grocery Stores Need?

What Insurance Do Grocery Stores Need?

Grocery store owners have to deal with more claims than most other business owners—it’s simply a part of their day-to-day. You need insurance to cover the various liability claims that happen in your store and protect the large investment you have in inventory.

Austin Landes, CICAustin Landes, CIC
Austin Landes, CIC
15 minute read

THE INFORMATION ON THIS WEBSITE IS PROVIDED FOR INFORMATIONAL PURPOSES ONLY. Nothing on this website should be construed as a solicitation, proposal, offer, recommendation, endorsement, or advice regarding any insurance product. The information on this website is of a general nature and is not intended as a substitute for individual consultation with a licensed insurance professional. In no event will we undertake to advise you regarding your need for any insurance product. YOU ARE RESPONSIBLE FOR DETERMINING WHAT INSURANCE PRODUCTS YOU NEED AND IN WHAT AMOUNTS, BASED ON YOUR UNIQUE EXPOSURE TO RISKS AND ABILITY TO BEAR LOSSES. We are licensed insurance brokers in the following states: WA, OR, ID, MT, WY, CA, NV, UT, AZ, CO, MN, SD, NE, KS, OK, TX, IA, MO, AR, LA, WI, IL, KY, TN, MS, IN, GA, FL, OK, VA, NC, SC, DE, MD, DC, NJ, CT, RI, VT, NH, PA, and ME. Insurance products and features are subject to underwriting criteria and may not be available in all states.

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