Tag Archives: commercial lines

Have You Considered A Job In The Insurance Industry?

Job Interview 2

Congratulations! You’ve completed your collegiate career and are excited to use what you learned and embark on a new career. Celebrate your accomplishments! You have earned it!

As you enter this amazing time in your life and reflect upon where the next road leads, we encourage you to stay positive during what can be an overwhelming and challenging time.

As an ambitious professional looking to dive in head first and get real world experience, where can you turn?

We are here to share with you the many rewarding and lucrative areas of the insurance industry!

There are so many possibilities the insurance industry can offer with your versatile talents.

Check them out!

  • Customer service
  • Claims
  • Underwriting
  • Management
  • Marketing
  • Information Technology
  • Social Media
  • Human Resources

In addition, there are many perks to working in insurance.

• With various careers and respective roles to choose from, you will find of plenty of room for creativity, growth, and stability. Companies are often looking for young, energetic talent to train, nurture, and develop to help fill these roles.

• Insurance will be around forever! Insurance will always be needed regardless of the economic climate, so there will always be a place for you! Therefore it will provide ambitious individuals with the groundwork for job security. With varied roles to fill, you are bound to meet co-workers with diversified talents and personalities. No work day is ever quite the same.

• Most rewarding, you will come away with a sense of purpose. You’ll be part of an industry dedicated to helping people protect themselves, their assets, and their families in hopes of securing the best future and overall quality of life.

With all of this to look forward to, what are you waiting for? Visit our career page to stay on top of the opportunities we may have for you moving forward!

Certificate Of Insurance 101: What Business Owners Need to Know

contractor certificate of insurance

One of the first priorities for a new business owner is negotiating a lease with the landlord. Regardless of whether a business operates out of an office, store, or showroom, a lease agreement typically obligates a tenant to carry specific limits of insurance. Landlords often request proof before the tenant takes possession of the space. This proof is called a Certificate of Insurance.

Sometimes a landlord’s insurance requirements appear difficult to meet. Forthcoming tenants initially may not realize that the terms of a lease and its required limits of insurance can be negotiated. Most leases minimally request that the tenant carry General Liability limits of $1 million per occurrence and $2 million in the aggregate. Some leases require the tenant to provide for coverage for Improvements and Betterments made to the space.

Once a policy is bound, an agent or broker will provide the insured with documentation naming their landlord as the Certificate Holder. It is very important to understand, however, that the certificate of insurance is only a snapshot of the coverage put in place.

Frequently asked questions from those looking to obtain a Certificate of Insurance include:

  • Why all this emphasis on who, what, where, how, and when to get a certificate?
  • Who should you provide with a certificate? What should it say?
  • How do you know what should be included?
  • When can you push back on a landlord asking for unreasonable inclusions?
  • Why do landlords request the name of each officer, director, member, agent, representative, and successor that appear on a certificate of insurance?

As new business owners begin to encounter all of this and more, it’d be well worthwhile to call their insurance agent. Contact us today!