Category: Commercial Insurance

November 05, 2015
Frequency, Severity and Your Commercial Auto Insurance Premiums
Auto insurance rates are based on several factors: frequency and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type…

November 05, 2015
Commercial Auto Driver Selection Guidelines
Since the quality of your drivers affects the entire fleet operation, the safety of others on the road and your company's good reputation, it is imperative that a…

October 15, 2015
Protect Yourself Against Illegal Acts with Crime Coverage
You may feel that your employees would never steal from you or that your business would never be the victim of theft, but the harsh reality is that…

October 15, 2015
Criminal Background Checks Can Impact Your Employee Dishonesty Coverage
Author - David C. King, President & CEO, Horst Insurance There is no argument that a well managed criminal background check can and is an important element in your…

October 15, 2015
Why Do I Need Crime Insurance?
While standard property and inland marine insurance policies provide some protection from criminal acts, they often do not cover losses resulting from employee dishonesty. Crime insurance was developed…

September 04, 2015
Classifying Workers Correctly: Important Rules for Employers Exclusive Online Event
Please join us on September 17, 2015 at 2:00 p.m. to learn what you need to know about Classifying Workers Correctly: Important Rules for Employers. A key question for…

August 13, 2015
Worker Misclassification
Author - David C. King, President & CEO, Horst Insurance A recent “Administrative Interpretation” (No. 2015-1) by the U.S. Department of Labor Wage and Hour Division will have a…

August 06, 2015
All You Need to Know About Automobile Insurance
Automobile insurance serves as a safeguard against financial hardship in the event of an auto accident and assists in paying for damages if your company vehicle(s) is damaged…

August 06, 2015
Commercial Automobile Policy Symbols: What Do They Mean?
Taking the time to understand the language and symbols on your commercial automobile insurance policy may seem like trying to learn a new language, but it is important…

August 06, 2015
Driving Personal Cars for Business Use – A Good Idea?
There are many situations in which an employee drives his or her personal auto to perform a business-related task or activity: travel between worksites, client visits, transportation of…

May 01, 2015
Directors’ and Officers’ Liability Insurance
In today’s business climate of corporate transparency and accountability, an organization’s officers and directors face a myriad of employment-related exposures. Sarbanes-Oxley regulatory mandates and shareholder activism mean directors…

May 01, 2015
Risk Management Strategies for Directors and Officers
While a senior executive position brings many rewards, it also carries significant risks that put your financial net worth at stake. Expect that every decision you make as…