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OCIP & CCIP Why You Might Not Qualify
Why can’t every construction project use an OCIP or CCIP? There are three primary reasons these programs are not universally available. The first is project size. OCIP and CCIP programs require manual underwriting unlike standard contractor policies, they cannot be automatically rated. Carriers will only commit the time and analysis required if the overall premium…
May 27, 2026
OCIP CCIP The Solution
Managing insurance across multiple contractors and subcontractors on a large construction project is one of the most complex administrative challenges in the industry. General liability, workers’ compensation, auto liability, and professional coverage must be tracked across every layer of the project and the gaps between individual policies create real financial exposure. An OCIP (Owner Controlled…
May 27, 2026
OCIP & CCIP: The Advantages
What are the advantages of an OCIP or CCIP over individual subcontractor insurance policies? There are four primary benefits. First, bulk purchasing power: because the master policy covers the entire project, premiums are negotiated at scale, typically resulting in lower overall insurance costs than the sum of individual policies would produce. Second, streamlined administration: onboarding…
May 27, 2026
Are Your Business Auto Liability Limits Adequate?
When customers come in to review their commercial policies, business auto is often the coverage that gets the least attention. It’s simple in concept – a policy covering the vehicles your business owns and operates – and that simplicity sometimes leads owners, and frankly some agents, to treat the limits as a number to fill…
May 18, 2026
What Happens When the Other Driver Doesn’t Have Enough Coverage?
When another driver causes an accident, the funds available to cover damages come from only two places: If those limits are low or nonexistent that gap doesn’t magically disappear. Without Uninsured Motorists/Underinsured Motorist (UM/UIM) coverage, you may be responsible for costs tied to vehicle damage, medical bills, lost wages, and recovery expenses, even though you…
March 19, 2026
A New Year Check-In: Why Smart Leaders Revisit Their Insurance Strategy
The start of a new year often brings renewed focused on financial planning. Yet one critical area is frequently left on autopilot: insurance. Insurance is not a “set it and forget it” decision. It’s a living strategy that should evolve alongside your business, assets, and personal financial picture. As organizations grow and professionals accumulate assets,…
January 19, 2026
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
