Tag: compliance
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Before renewing, ask: Did our operations change? Are limits still adequate? What exclusions were added last year? Can we improve deductibles or structure? I prepare a renewal checklist for clients so nothing is missed, and we negotiate improvements early—before pricing is finalized.
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Insurance should create confidence. Knowing your policies match your contracts, operations, and risk tolerance lets you focus on customers and growth. If you’ve been meaning to get a second opinion on your coverage, email me your current policies and I’ll provide a clear, practical review.
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Underinsurance shows up in coinsurance penalties, low limits, and outdated valuations. After a loss, it’s painful. We can benchmark limits, review property values, and use agreed value or margin clauses where appropriate. It’s better to correct now than learn about penalties later.
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Look for responsiveness, market access, and transparency. A good broker explains options, discloses compensation, and fights for terms—not just quotes. Ask how many carriers they’ll approach, how certificates are handled, and what happens when you have a claim. I’m happy to answer those questions directly.
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Risk management starts before the policy. Vendor agreements, hold‑harmless clauses, certificates from subs, and safety procedures all reduce loss frequency and severity. When those pieces are in place, underwriting gets easier and pricing improves. I’ll help you connect the legal, operational, and insurance dots.
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My process is straightforward: you send declarations and contracts; I map exposures; we review options together. I translate the policy into real‑world scenarios—what happens if X occurs? No pressure, no jargon. You decide with full information, and I handle the paperwork and certificates.
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Low premiums can hide broad exclusions or restrictive sub‑limits. I’ve seen policies that look inexpensive but exclude contractual liability, independent contractors, or products/completed operations—exactly where claims occur. I’d rather negotiate a fair price for complete terms than celebrate a cheap policy that won’t respond.
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Every shipment carries risk—loss, theft, damage, and delay. Parcel & cargo insurance steps in where carrier limits stop. It’s especially important for high‑value, fragile, or time‑sensitive goods. I help clients match coverage to their supply chain, so a single damaged pallet or lost package doesn’t erase profit. Send me your lanes and values; I’ll map…
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Surety bonds are a promise of performance or payment. Carriers underwrite your capacity and history, not just the project. Strong financials, clean contracts, and realistic schedules lead to better bond rates and limits. If you’re bidding on public work or need license/permit bonds, I’ll outline exactly what the surety will want to see.
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Workers’ Comp protects both your team and your business. The key is correct class codes, accurate payroll, and a clean experience mod. Simple steps—formal hiring practices, return‑to‑work plans, and documented safety—lower losses and premiums. If you’re unsure whether your codes or audits are right, I can review and explain everything in plain English.