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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
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
