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The Hidden Risk of Low Insurance Limits: Why Cutting Coverage Can Cost You More
When budgets get tight, it’s natural for homeowners and drivers to look for ways to lower their monthly expenses. One of the first places people turn is their insurance policy, specifically by reducing their coverage to shrink the premium. But while lowering coverage may save a few dollars today, it can create massive financial exposure…
December 1, 2025
Insights from Both Sides of the Exam Room-The Essential Insurance Every Medical Practice Needs
Running a medical practice means juggling more than just patient care. Behind every successful clinic, urgent care, or specialist office lies a complex web of risks, from regulatory compliance and data privacy to malpractice exposure and property loss. As both a licensed insurance professional and a medical doctor, I’ve seen firsthand how overlooked coverage gaps…
November 7, 2025
Umbrella Insurance-The cheapest way to buy insurance.
Umbrella coverage is widely misunderstood and, dollar for dollar, is the most cost-effective ways to protect your business. Too many companies skip it or underbuy it, and that’s a miss in today’s economy. What an umbrella actually does (in plain English): First, it boosts your limits. An umbrella sits on top of your General Liability,…
October 3, 2025
Why Every Business Owner Should Be Thinking About EPLI Before It’s Too Late
Whether you manage a business with employees or just work directly customers, Employment Practices Liability Insurance (or EPLI) is a form of protection you should be thinking about. At Mt. Franklin Insurance, I talk to business owners every day who are focused on growing their companies, hiring the right people, and serving their customers. But…
September 24, 2025
Are Your Valuables Really Covered? Here’s What Your Homeowner’s Policy Might Miss
A standard homeowner’s policy that protects the value of your home and personal effects is not well structured to cover valuable items like jewelry, artwork, precious metals, and other similar pieces. Standard policies do a great job of covering general mass-produced items like clothing, furniture, and electronics. However precious and high-cost property needs its own…
August 1, 2025
Telematic devices can drive business insurance costs down!
Telematic platforms, also known as Usage-Based Insurance (UBI) allow business owners to monitor their drivers, vehicles, and operations. Typically, “telematics” are a piece of technology involves installing a small plug-in device into the onboard diagnostics port (OBD) that every modern vehicle has. These small devices gather data about that vehicle and relay it to the…
June 1, 2025
Loss of Business Income, Maintaining Business Continuity, and Continuing a Business After a Major Loss
When I consult with clients about their business insurance, we typically review two main categories of insurance: 1) Protection in case they injure someone else, and must compensate them, and 2) protection of your own assets in case they are damaged/destroyed. In terms of the second category, businesses need to ensure their policies protect their…
May 2, 2025
Understanding CCIPs and OCIPs: A Strategic Approach to Managing Risk in Large Construction Projects
Construction projects typically involve multiple layers of participants. A developer (or owner) hires a general contractor (GC). In turn, the GC hires a collection of subcontractors. As projects grow, sometimes subcontractors even hire additional specialists to support them. This leads to a cascade of companies, each contributing their own work to an overall project. From…
April 12, 2025
Mt. Franklin Insurance Expands El Paso Headquarters
Growing to Serve You Better – Locally-Owned, Locally-Operated We are excited to share a significant milestone in our journey—expanding our headquarters located in El Paso, Texas at 1444 Montana Ave. This growth reflects our commitment to providing exceptional, local service to our clients while supporting our expanding team and operations. For years, we have proudly…
March 27, 2025
Why Offering Health Benefits is a Wise Business Decision in 2025
After working with thousands of businesses, I’ve seen firsthand how a well-structured employee health benefits package can significantly impact a company’s bottom line and reputation. In today’s competitive landscape, offering health benefits is no longer just a nice-to-have; it’s a necessity. Every business I meet with tells me about the importance of having a great…
November 3, 2024
