ARTICLES ABOUT COMMERCIAL-INSURANCE

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 property damage, liability, loss of income due to unexpected events and more. — To…

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 coverage, there are some key differences to be aware of. In this blog post, we’ll…

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 don’t store enough personal information to need coverage. — Like several…

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 organization? — What is Directors and Officers Liability Insurance? — This…

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 lineup of carriers. — Founded in 1908, Pioneer has been insuring Michigan for over a…

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 billing departments directly. The carrier link in the previous sentence will direct…

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 adding exclusions for potential losses. But what exactly is the coronavirus and…