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Author Archives: Mitch Smith
Why Business Interruption Coverage Needs Special Attention
Over the years, one thing I’ve consistently noticed is how little thought many business owners put into planning what they’ll do following a big loss. This isn’t really surprising with how many things an owner already has to do, but … Continue reading
Posted in business interruption, claims, property
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Think before adding coverage
One of my jobs at the agency I’m with involves reviewing the current insurance programs for prospective clients. It’s interesting what one sees. For example, today I check a policy for a building owned by an individual who leases it … Continue reading
Posted in crime
Tagged crime, employee dishonesty, wasted coverage
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WC Experience Modifiers in Missouri
I’ve noticed that experience mods in Missouri have been swinging more wildly than expected recently. Much of this is due to the July 1, 2011 change by the NCCI where a 70% discount now applies to med-only claims, regardless of … Continue reading
WC Codes – be careful what you ask for
There are roughly 1,000 different work comp codes in the NCCI Scopes manual. It pays to put some effort into determining the correct codes for your clients, but sometimes things aren’t what you’d expect. One of my favorite examples is … Continue reading
Welcome!
This is the start of a project that will hopefully be interesting and perhaps even useful to those in the commercial property & casualty insurance business. First, I’d like to introduce my just-published book “Insurance: A Big Decision for Small … Continue reading
Posted in Mitch's book
Tagged commercial insurance, insurance book, small business
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