Common Cent$ Blog
Common sense ain't common. - Will Roger

Do you need Professional and General Liability Coverage?
This is a question that comes up from time to time when we are working with our business insurance clients. Let’s start off with looking at…
Read more…
False Pretense Exclusion & Social Engineering
The False Pretense exclusion is applied in an insurance policy when there is a voluntary parting with any property by you or anyone else to…
Read more…
Protecting Your Business From Employee Theft
A 2014 Association of Certified Fraud Examiners (ACFE) study reported that the median loss for the retail businesses was $ 54,000 for…
Read more…
The Difference between Replacement Cost, Actual Cash Value and Functional Replacement Cost
Most property owners are given one of two options when insuring the value of the property they own, Replacement Cost or Actual Cash Value…
Read more…
Preventing Slip & Fall Accidents
One of the most common claims that businesses and homeowners experience is slip & fall accidents. By taking a proactive approach these…
Read more…
Why Is The Correct Named Insured On A Policy Important?
When a claims adjuster begins working on a new claim the first thing they will determine is who is designated as a named insured on the…
Read more…
Does Your Business Need Terrorism Coverage?
After 9/11 insurance carriers and the United States government needed to address insurance coverage related to terroristic acts and remedied…
Read more…
How Insurance Companies Use Credit Scores
For years insurance companies have been using credit-based insurance scores to determine the premiums that consumers pay for insurance…
Read more…
Does Your Business Have a Cyber Liability Exposure?
Does your business retain physical or electronic records of employees or third parties with: Social Security Numbers Driver's License info…
Read more…
Insurance Audits
All workers compensation and most general liability insurance policies are auditable. Because payrolls and sales figures can change from…
Read more…