The premium audit: Calculating a fair price

calculator-and-ledgerInsurance coverage you select now covers your business during a future term. The rates you pay for coverage are intended to reflect your business’s actual exposure to risk during that future term.

For some lines of insurance, like workers’ compensation, general liability or garage liability, exposure is measured by your payroll and sales and other factors that can be difficult to predict precisely. What happens if you overestimate – or underestimate – future payroll, sales, subcontracting cost or other variables? How can you be sure of paying a fair price?
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A well-maintained building is ready for winter

snow-plow

Verify that your snow removal contractor has a certificate of insurance.

Buildings protect us from the elements but, like people, are not immune to seasonal change.  Fall is a great time to take action to help protect your commercial building from the effects of transitioning to fall and winter. Your efforts now will keep you and your customers more comfortable later.
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