Most of us don’t ever deal with an insurance claim. If we do, we expect the insurance company to send somebody out right away, get our money and move forward with our life. If our business has a break-in, that’s pretty much what we can expect. If we were in the path of a hurricane it’s different.

Every year an average of 37 children die from overheating in a vehicle…. 

You may be thinking “Why do I need to provide workers compensation coverage? This isn’t a physically dangerous job! My employees are not working construction or doing anything too physically demanding, that’s an unnecessary expense!”

Business insurance policies have tons of options. When it comes to insurance, your "middleman" can be the difference between selecting the correct coverage that will protect you and gambling with your livelihood…