Owner Brief
Jul 28, 2026
How to Compare Commercial Insurance Quotes
A practical method for comparing commercial insurance quotes by coverage, limits, deductibles, exclusions, endorsements, service, and total cost.
Insights
Commercial insurance insights for business owners.
Get practical answers about coverage, contracts, certificates, quotes, and renewals. Each guide is written to help you protect the business, avoid surprises, and ask better questions.
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Latest articles
Coverage GuideJul 16, 2026Protective Safeguards Endorsements: An Owner’s Guide
Learn how property-policy requirements for sprinklers, alarms, and other safeguards can affect maintenance, impairment notice, and a fire-loss claim.
- Owner BriefJul 16, 2026
MCS-90 Endorsement: What Trucking Business Owners Should Know
A plain-language guide to what the MCS-90 does, when federal financial-responsibility rules may apply, and why the underlying policy still matters.
- Owner BriefJul 16, 2026
Additional Insured vs. Waiver of Subrogation
Understand four common contract requests—certificate holder, additional insured, primary and noncontributory, and waiver of subrogation—before sending proof.
Coverage GuideJul 8, 2026Essential Insurance for Restaurants
Protect your restaurant's kitchen, people, equipment, inventory, customers, alcohol service, and delivery activity with coverage built around daily operations.
Owner BriefJul 8, 2026Protecting Your Construction Business
Protect payroll, finished work, tools, vehicles, contracts, and subcontractor relationships with an insurance review built around the way your construction company operates.
Workers' Comp GuideJul 8, 2026Workers' Compensation Guide for Business Owners
Compare workers' compensation requirements, job classifications, payroll, audits, owner treatment, and claims history across BLIS's five licensed states.
Market InsightJul 8, 2026What Insurers Need Before They Can Quote Your Business
Prepare the business description, claims reports, payroll, vehicles, property details, and contract requirements insurers need to consider a quote.
Risk NoteJul 8, 2026Before You Sign: Check the Contract’s Insurance Requirements
Turn a contract's insurance section into a practical checklist for limits, certificates, additional insured status, payment order, and recovery rights.
Coverage GuideJul 8, 2026Beyond Malpractice: Insurance for the Rest of Your Practice
Protect the parts of your healthcare practice malpractice insurance does not address, including your office, equipment, data, employees, and premises.
Coverage GuideJul 8, 2026Cleaning Company Insurance: Bonds, Keys, and Night Work
Learn how to protect your cleaning company from damaged client property, missing keys, employee theft, workplace injuries, and contract problems.
Market InsightJul 8, 2026How Routes, Drivers, and Cargo Shape Truck Insurance Costs
Learn which operating details can affect truck insurance price—and why FMCSA authority, filings, and legal limits belong on a separate checklist.
- Owner BriefJul 8, 2026
How to Read a Certificate of Insurance
Use this field-by-field guide to check a certificate of insurance, spot missing information, and know when to ask for the policy endorsement behind it.
Owner BriefJul 8, 2026Insurance Requirements in Last-Mile Delivery Contracts
A practical guide to checking policies, limits, endorsements, driver coverage, and proof before a last-mile delivery contract starts.
Coverage GuideJul 8, 2026Insuring the Farm: Property, Labor, and Liability Basics
Protect the buildings, machinery, seasonal workforce, vehicles, products, and visitor activity that keep a commercial farm operating.
Owner BriefJul 8, 2026Marketplace Insurance Requirements for E-Commerce Sellers
A seller-focused guide to marketplace insurance requests, product liability, imported goods, inventory in storage and transit, and customer data.
Owner BriefJul 8, 2026Preparing for a Property Insurance Quote or Renewal
Gather the building values, system updates, occupancy details, claims history, and fire-protection information owners need for a smoother property insurance review.
Coverage GuideJul 8, 2026Product Liability Basics for Small Manufacturers
Learn how to protect a growing manufacturing business from product injury claims, distributor requirements, coverage gaps, and the direct cost of a recall.
Market InsightJul 8, 2026Your 90-Day Business Insurance Renewal Checklist
Use the 90 days before renewal to update payroll, vehicles, property values, claims, operations, and contract requirements before the deadline controls your choices.
Coverage GuideJul 8, 2026What HOA Boards Should Know Before Master Policy Renewal
A practical board guide to master-policy boundaries, building values, D&O, crime coverage, lender requirements, and the 90-day renewal timeline.
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