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What is Commercial Lines Insurance?

You may have heard the term “commercial lines insurance” and wondered what that means. Simply stated, it means the various types of insurance policies that a business can purchase to protect itself. Business insurance needs will vary because every business is unique. Even companies within the same industry have things that set them apart from […]

What is Inland Marine Insurance?

Perhaps one of the most confusing business insurance policies is inland marine insurance.  It is also sometimes referred to as a floater policy. Most people define “marine” as having to do with water. In fact, the very definition of the word is “of or relating to the sea,” according to dictionary.com. So, what is inland […]

What Type of Insurance Do You Need as a Tow Truck Company?

Tow truck companies perform valuable services for their communities. If you own a tow truck company or are considering purchasing one, tow truck insurance is a necessity.  The insurance needs of tow truck companies vary significantly from one company to the next. Working with an independent insurance agency, like Otterstedt, can help you customize your […]

What Type of Insurance Do You Need as an Electrician?

Electricians do important work on homes and businesses of all shapes and sizes. You work in all weather conditions to help bring light and warmth to the homes of others. In addition to the hazards you face from the work you do, you also face risks from mistakes, accidents, and more. The right insurance can […]

What Type of Insurance Do You Need As a Pool Service Company

As a pool service company, you provide a wide range of services to enhance the outdoor livings for the families you serve. For this reason, you need to make sure you choose insurance coverage that offers sufficient protection for all the jobs you do. Jobs that may include any or all of the following: Clean filters […]

What Type of Insurance Do You Need as an HVAC Contractor?

HVAC contractors can be some of the most popular people in your town or community. When people need their air conditioning repaired in the middle of a heat wave or heaters replaced during the worst weather winter, you come in and save the day or night. That doesn’t mean your job is not without risks, […]

What Type of Insurance Do You Need as a Landscaper?

As a landscaping business owner, you might fear you don’t have the right amount of insurance protection to meet your needs. That’s more than a legitimate concern because failing to have adequate protection for your business places you in serious risk if something goes wrong. So, what types of insurance coverages do you need for […]

What Type of Insurance Do You Need as a Plumber?

Plumbing businesses are businesses. Just like any other businesses, you need business insurance to protect your personal interests and assets. Whether you are a residential or commercial plumber, you have unique challenges, risks, and insurance needs. These are among the types of insurance you need to purchase if you own a plumbing business. Business Owner’s Policy This is […]

Employer Company Car Accidents & Violations: Who is Liable?

When employees use business vehicles for business errands, the question of liability and responsibility often arises. Who is responsible for acts of drivers in business vehicles? It’s a question some employers do not even consider until a violation, accident, property damage, or injury has occurred. If you are one of the many employers who hasn’t […]

Own a Snow Plow Company? Make Sure You Have the Right Insurance

As winter begins, snow plow companies of all sizes are getting ready for work. You know the work that goes into preparing your crews for the long winter ahead involves many tasks, including: Checking equipment Performing routine vehicle maintenance Verifying salt supplies Updating GPS navigation and tracking devices Confirming routes There is one other thing […]

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