We're in a "hard market": insurers are increasing premiums, and some are even turning away places like 100 year old buildings or restaurants. Many expect "5-5-5": 5 years in business, 5 years at same location, 5 years claims free. It's not uncommon for houses to pay $1800-2000/yr. So, it's really important to make sure you have bases covered.

There are lots of things to you can do to mitigate risks. A brief list includes keeping snow removal logs if you hire contractors, have an alarm system, making recent upgrades to things like roofs and water heaters, and having a good non-smoking policy.

Deb and Kim are here to help you mitigate risk. Deb has almost 2 decades of experience in the industry, and specifically over a decade in commercial. Kim is also pushing a decade of experience and has a broad range of knowledge.