Chris Davis, Author at Independent Insurance Counselors

Business Insurance commercial insurance Insurance

Cyber Claims Continue to Rise: Why Small Businesses Are Now the Primary Target

Cyber Claims Continue to Rise: Why Small Businesses Are Now the Primary TargetMany business owners still believe cybercriminals are primarily…

Chris DavisJuly 7, 2026

Business Insurance commercial insurance Insurance

Mid-Year Commercial Insurance Checkup: 7 Questions Every Business Should Ask

Most businesses treat insurance like a smoke detector.You install it, hope you never need it, and rarely think about it…

Chris DavisJune 30, 2026

Business Insurance commercial insurance Insurance

Mid-Year Planning: What to Fix Before Renewal Season

For many businesses, insurance renewal season feels rushed, reactive, and unnecessarily stressful. Information is requested quickly, decisions must be made…

Chris DavisJune 23, 2026

Business Insurance commercial insurance Insurance

Business Interruption Isn’t Just About Physical Damage

When most business owners think about insurance, they picture physical damage—fire, storms, or property loss. Naturally, many assume that business…

Chris DavisJune 16, 2026

Business Insurance commercial insurance Insurance

Heat-Related Claims: An Overlooked Summer Exposure

Extreme heat is often treated as a seasonal inconvenience—something businesses “work through” during the summer months. In reality, it is…

Chris DavisJune 9, 2026

Business Insurance commercial insurance Flood Insurance Insurance

Hurricane Season Starts Now: Is Your Business Actually Ready?

Hurricane season officially begins June 1, but the time to prepare isn’t when a storm shows up on the radar—it’s…

Chris DavisJune 2, 2026

Business Insurance commercial insurance Insurance

Seasonal Hiring: Why Temporary Workers Can Create Long-Term Liability

Seasonal hiring is often viewed as a short-term operational solution—extra hands during busy months, temporary staff for peak demand, or…

Chris DavisApril 29, 2026

Auto Insurance Flood Insurance Insurance Life Insurance

Umbrella Insurance Explained: Who Really Needs It?

Umbrella insurance often sounds like something reserved for the ultra-wealthy—large estates, high-profile individuals, or complex financial portfolios. In reality, that…

Chris DavisApril 27, 2026

Business Insurance commercial insurance Insurance

Certificates of Insurance: What They Prove—and What They Don’t

Certificates of Insurance (COIs) are one of the most commonly used—and most misunderstood—documents in commercial insurance. They are requested on…

Chris DavisApril 22, 2026

Insurance Personal Insurance

Home Renovations and Insurance: What to Update Before You Remodel

Spring and early summer are popular times for home renovations—but insurance is rarely part of the planning conversation.Many homeowners assume…

Chris DavisApril 20, 2026