Independent commercial brokerage · Licensed in select states
Insights
Short, practical notes on the coverage questions our clients ask most. Written by the brokers who place the business.
Amazon DSP
Field noteAuto liability limits, general liability, workers' compensation, and excess are only half the story. The endorsements and the exact additional insured wording are what get a certificate accepted or bounced back. Here is the checklist we run before anything goes to the program.
Contractors
Field noteOwner-required limits, primary and non-contributory language, waiver of subrogation, and completed operations coverage all carry cost. Pricing them after you sign is how contractors end up covering a gap out of pocket. Send us the exhibit first.
Risk management
Field noteUnderwriters price frequency more harshly than severity. Three small claims often cost more at renewal than one large one. Documenting the corrective steps you took after each loss changes how the file reads.
Coverage basics
Field noteA policy can show a healthy aggregate limit and still cap the exact exposure you were buying it for. Equipment, tools in transit, and pollution clean-up are the usual places this shows up.
General information only. Nothing here is a statement of coverage — policy terms, conditions, and exclusions govern.
