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Rathbun Insurance Blog

All You Ever Wanted to Know About Insurance

Graduation Party and Wedding Season is Upon Us: Are You Liable for Your Rented Portable Toilets?

No matter where you go, people need to go. You may need to rent portable toilets and sanitation stations for things like: Weddings and parties Commercial events Residential events Workplace events Fundraisers Disaster...

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Cyber Bytes: The “Hello, Can You Hear Me?” Scam

Fraudsters superpowered with artificial intelligence (AI) are quickly becoming a reason to be skeptical of nearly everything, including wrong numbers and telemarketers. In a new phone scam, fraudsters steal a sample...

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Why Contractors Need Professional Liability Insurance

In the past, contractors didn’t need to be concerned about professional liability insurance. It was traditionally carried by architects, engineers and other design professionals for errors and omissions. But these days,...

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PASS the Fire Extinguisher: What you should know

A fire extinguisher is a very effective tool for putting out a fire that is just getting started. Knowing how to properly use an extinguisher reduces the risk of a larger fire developing and destroying your workplace or...

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Trends and Tips: Insuring Your Commercial Property During a Vacancy

Commercial property owners are struggling to balance a positive bottom line as tenant vacancies and insurance premiums increase. According to Moody’s Analytics’ Q4 2023 Preliminary Trend Announcement, commercial real...

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A Day of Learning and Collaboration: Rathbun Insurance Hosts Wilson Talent Center Students

At Rathbun Insurance, we aim to live out our value of 'Give It Away To Keep It' by investing in the future, and what better way to do so than by providing hands-on experiences for students eager to explore the world of...

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VIDEO: Understanding the Hard Insurance Market and Cost Sharing

In the dynamic landscape of the insurance industry, we currently find ourselves amidst what experts term a "hard market." This phase challenges insurance companies to reevaluate their strategies in the face of mounting...

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Protect Your Trucking and Freight Operation

The trucking and freight industry is crucial to the economy, transporting goods from coast to coast. But a lot of liability is riding on your trucking and freight operation. Thieves stole over $31.1 million in shipments...

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Your Town’s Fire Rating Affects Your Home Insurance

Many factors affect your home insurance rates. Some have to do with the age, location and structure of your home. Others have to do with local crime rates, school districts and weather hazards. But there’s one factor...

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Navigating Carrier Loss Control Visits: A Collaborative Approach to Strengthening Your Business

At Rathbun Insurance, we prioritize your safety and the success of your business. In this blog, we aim to provide insight into what a loss control visits entails and outline the carrier's goals and expectations,...

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Importance of timely insurance premium payments!

In the realm of financial planning, insurance serves as a safety net that shields individuals, families, and business from unexpected and potentially devastating losses. Whether it’s health, life, auto, liability, or...

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15 Holiday Decorating Hazards To Avoid at Your Business

Adding some holiday magic to your business? From accessibility to food safety, we’ve got you covered. Check out these 15 tips to keep your holiday decorations safe. 1. Holiday tree fires: Set up your tree(s) far from...

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Demystifying Insurance Rates: How Carriers Set Premiums and the Role of Independent Insurance Agencies

Insurance is an essential aspect of financial planning and risk management. It provides a safety net that helps individuals and businesses safeguard themselves against unforeseen events and unexpected expenses. However,...

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10 Reasons To Consider an Independent Insurance Agent

We live in an app-enabled world. You can order groceries, hire a dog walker and book a vacation without leaving your home or speaking to a real person. It makes sense to think insurance is something you can do online,...

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The Hard Insurance Market: Navigating Through Cost Sharing

In the ever-evolving landscape of the insurance industry, we find ourselves in the midst of what experts refer to as a "hard market." This term is indicative of a phase where insurance companies face increasing...

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Understanding Underwriting Decisions vs. Coverage Decisions

At Rathbun Insurance, we understand that traversing the world of insurance can be complex and overwhelming. In this blog, we'll shed light on the crucial difference between underwriting decisions and coverage decisions....

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Business Insurance Renewals Often Mean Changes to Terms

Commercial insurance rates are increasing on nearly every line of coverage, thanks to a rise in the frequency and severity of claims. And business owners are noticing significant premium hikes at policy renewal time....

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The Rising Tide of Business Interruption in Cyber Insurance: Protecting Your Business

In today's digital age, where businesses heavily rely on technology, the threat of cyberattacks looms larger than ever before. While companies have been diligently investing in cybersecurity measures to safeguard their...

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Safeguarding Your Workplace with a Certified Authority on Workers' Compensation (CAWC)

Workplace safety and security are non-negotiable priorities for businesses of all sizes. When it comes to protecting your employees and your company's assets, one designation stands out as a beacon of expertise – the...

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Michigan Supreme Court Announces Seismic Shift in Premises Liability Cases

In a groundbreaking decision, the Michigan Supreme Court delivered a landmark ruling that promises to reshape the terrain of premises liability cases. The ruling, arising from the consolidated cases of Kandil-Elsayed v....

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Cyber Bytes: What Is Cyber Liability Insurance?

Cyber liability insurance won’t prevent a hack, but it will help you recover from one. There are two main types: First-party coverage, which responds to losses resulting from cyberattacks on your business network Third-...

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Commercial Insurance: What you need to know!

When you purchase a commercial insurance policy, you are making an investment in protecting your business. Commercial insurance policies are designed to cover a wide range of risks that businesses face, including...

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Understanding the Impact of the Pregnant Workers Fairness Act

As a business owner, it's crucial to stay informed about the ever-evolving legal landscape that can affect your operations. The Pregnant Workers Fairness Act (PWFA) is a recent law designed to ensure that pregnant...

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Understanding Workers' Compensation: A Must for Contractors in Michigan

As a contractor, you may find yourself juggling multiple projects, managing clients, and ensuring that the work gets done efficiently and safely. In the midst of all this, it's crucial to have a comprehensive...

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Things you need to know when purchasing a commercial insurance policy!

When you purchase a commercial insurance policy, you are making an investment in protecting your business. Commercial insurance policies are designed to cover a wide range of risks that businesses face, including...

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Independent vs. Captive Agent

As you navigate the world of insurance, you may encounter different types of agents. Two common types are independent agents and exclusive or captive agents. While both types of agents can provide you with insurance...

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Why Does My Small Business Need Cyber Liablity Coverage?

Many small business owners are unaware of the high cyber liability risk that they pose in today’s digital world. Oftentimes, we hear businesses who think they are too small to be targeted by cyber criminals or that they...

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Does My Nonprofit Need Directors and Officers Liability Insurance?

Yes.We work with a lot of smaller nonprofit organizations and are often asked about the importance of Directors and Officers Liability insurance. But what exactly is this coverage? And how could not having it affect an...

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Rathbun Agency Adds Pioneer State Mutual To Carrier Lineup

For sixty four years, we have been proud to partner with the best insurance carriers that offer broad coverage and competitive pricing. We are very excited to announce that we have added Pioneer State Mutual to our...

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How Are My Insurance Policies Affected by Coronavirus?

We have had several questions the last few weeks on how to reduce premiums during the mandatory stay-at-home order for both businesses and individuals. Most all carriers are making accommodations if you call their...

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Do I Have Coverage for Coronavirus?

If you’re looking for coverage on your policies that respond to COVID-19, you’re likely out of luck. Insurers learned their lesson the hard way from previous health outbreaks by limiting coverage in their policies and...

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