Commercial Cleaning and Janitorial Business Insurance
Reading Time: 7 minutesCommercial Cleaning and Janitorial Business Insurance: Coverage for Building Service Contractors Key Takeaways for Enterprise Risk Managers Slip-and-Fall Dominates Claims: Wet floor injuries account for the largest share of GL claims against cleaning companies — proper coverage and waiver protocols are essential Property Damage Exposure: Cleaning crews work inside client buildings after hours with unsupervised […]
Staffing Agency Insurance
Reading Time: 8 minutesStaffing Agency Insurance: Essential Coverage for Temporary Employment and Workforce Solutions Companies Key Takeaways for Enterprise Risk Managers Workers Compensation Dominates: Staffing agencies face the highest workers comp complexity of any industry — your temporary employees work in client facilities you don’t control Co-Employment Liability: Joint employer exposure means your agency shares legal responsibility with […]
Houston Freight Broker Insurance
Reading Time: 9 minutesFreight Broker Insurance: Protecting Houston Logistics Operations From Bond to Cargo Liability Key Takeaways for Enterprise Risk Managers BMC-84 Surety Bond or Trust Fund: Every freight broker must carry a $75,000 bond or trust — but that barely scratches the surface of real exposure for mid-market operations Contingent Cargo Coverage: Protects your brokerage when a […]
Commercial Insurance Market Performance Data: 2025 metrics
Reading Time: 7 minutesCommercial Insurance Market Performance Data: Nuclear Verdicts Exploded 116%: Is Your Company Next? 2025 Liability Data Overall Industry Achieves Exceptional 2024 Profitability The U.S. property and casualty insurance industry posted a 96.5% combined ratio in 2024—the best result since 2013—marking a dramatic turnaround from 2023’s 101.6% ratio, according to S&P Global Market Intelligence analysis S&P […]
Renters Insurance: Virtual Safety Checklist Tool
Reading Time: 3 minutesOur Renters Insurance Virtual Safety Checklist Tool The Renters Insurance Virtual Safety Checklist Tool can be a valuable asset for renters looking to lower premiums on their renters insurance. Essentially, this tool helps renters identify and address potential risks in their living space, making their home safer and reducing the likelihood of filing a claim. Here’s […]
Event Planning Checklist Tool
Reading Time: 4 minutesIntroduction Event planning requires meticulous attention to detail and a keen understanding of logistics. As an expert with a decade of experience at Hotaling Insurance Services, I know that one of the most critical components often overlooked is obtaining event insurance. It’s not just about ensuring the day runs smoothly; it’s about safeguarding your event […]
Commercial Insurance for Trucking Companies
Reading Time: 2 minutesComprehensive Guide to Commercial Insurance for Trucking Companies in 2024 Introduction As a seasoned expert with over ten years at Hotaling Insurance Services, I’ve witnessed the evolving landscape of commercial insurance for trucking companies. Insurance is not just a regulatory requirement; it’s a vital component of your business’s financial security and operational stability. In this […]
Accounts Receivable Insurance: A Business Necessity
Reading Time: 2 minutesAccounts Receivable Insurance: A Business Necessity In today’s fast-paced financial environment, protecting your business’s cash flow is crucial. Accounts Receivable Insurance, a vital tool for businesses across the US, offers this security. At Hotaling Insurance Services, we understand the importance of safeguarding your company’s financial backbone. This insurance shields you from unexpected customer insolvency, ensuring […]
Ensuring a Cheerful Holiday Gathering: Why Special Event Insurance Matters
Reading Time: 2 minutesThe holiday season is upon us, and as you prepare to deck the halls, plan family reunions, and organize corporate events, there’s a crucial element often overlooked—unexpected challenges that can disrupt your festive gatherings. At Hotaling Insurance Services, we’re committed to not only making your celebrations memorable but also ensuring they’re safeguarded with our customized […]
Business Risk Liability: Is Your Company Protected?
Reading Time: 4 minutesBusiness Risk Liability: Is Your Company Protected? Introduction: Assemble a Risk Management Advice Network In the world of business, having the right experts by your side can mean the difference between success and failure. Consider building a risk management advice network that includes professionals like accountants, insurance experts, lawyers, and real estate agents. They play […]