Understanding Joint Ventures

A joint venture is an entity formed by two or more businesses in order to pursue a specific purpose for a specified period of time. While some states require joint ventures to be legally filed, other states recognize any entity that meets the definition. A partnership...

Independent Insurance Agency

The Benefits of an Independent Insurance Agency: Independent vs. Captive Agents Our roots as an independent insurance agency go back almost 75 years.  We’re proud to carry the independent insurance agency label because of what it means to our clients.  As an...

Scheduled Personal Property

For many of us, our home is the most significant asset we’ll acquire in our lifetime, and we rely on our homeowners insurance to protect its value.  A homeowners policy also provides coverage for your personal property including jewelry, silverware, firearms, and...

Contractor Pollution Liability

Why Do All Types of Contractors Need Contractor Pollution Liability? Environmental claims can happen to any contractor. Contractors often assume that claims arising from operations are covered by their general liability policy. Most commercial general liability...

Certificate of Insurance

Business transactions frequently require the valuable protection provided by insurance. A Certificate of Insurance is a document that is often requested as proof that adequate insurance exists. A certificate is not the same as a policy and certificates do not affect...