If you are self employed you need to understand the need and concept of the insurance audit. Most General Liability and Worker’s Compensation Policies are auditable. When a GL or WC policy is written it is normally based on an estimated exposure. At the end of the year the insurance company has the right to go back and adjust your premiums based on your actual exposure. It is basically pay now or pay later. It is really important that you have an accurate estimate going into the policy period. The reason for this is most people don’t understand that at audit time you actually can get hit twice. First they will go back too the prior year and adjust the estimated exposure (could be payroll, sales, number of units etc) with the actual exposure. However then because of the timing the new policy period has already started. They will then go too the new year and adjust the estimated payroll for the new policy period. Unexpected large audits are big reason for upset clients. And it can be controlled by making sure your estimated exposures are accurate thru out the year. Some companies are now coming out with pay as you go worker compensation policies. You would actually pay your worker compensation premium when you do your payroll. Knowing and understanding the audit process is a key too being successful. http://auto.erieinsurance.com/insurance-audit-information.pdf

As we all know this winter has been the snowiest of our lifetimes. Every homeowner knows to shovel thier driveway and sidewalks to protect thier family, guests and neighbors. Shovels, rock salt and a few able bodies will do the trick. However how do you protect your home from one of winters biggest dangers? Ice Damming is one of the most common claims we see each winter. Knowing how to spot them and how to safely remove them is half the battle. The following article discusses how to know if you're in danger and what to do about it. Read more

Welcome clients and friends to our first Blog article. We are looking forward to bringing you information we
feel you will find educational and informative.


Todays economy is very challenging for many of us. Budgets are being squeezed and jobs are being lost.
It’s a time when many families have to eliminate expenses not considered “essential”. The following story chronicles just how important having life insurance can be, when a family needs it most. Many clients remark that “we have it through work” and that is ok that they are getting that benefit provided for them. However, here is the disappointing fact. In this economy as businesses are scaling back, and changing benefit plans, reducing expenses, these benefits may not be there when you need them most. Many times when you leave your job you no longer have those benefits. Having a policy outside of work is the key to guaranteeing your family's financial future. Ask us today about how we can help design a plan that works for you and your family.