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

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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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Why Should I Buy A Renter’s Insurance Policy?
A renter’s insurance policy provides a great deal of value & protection for the price to individuals and families. Following are some key…
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