Business Insurance Archives - Page 2 of 3 - Independent Insurance Counselors

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

Business Insurance commercial insurance Insurance

Contract Season Is Here: What to Review Before You Sign

Spring is contract season for many industries—construction, medical services, maintenance, transportation, and professional services. Unfortunately, contracts often introduce risk faster…

Chris DavisApril 15, 2026

Business Insurance commercial insurance Insurance

Growth Can Create Risk: Insurance Mistakes During Business Expansion

Growth is exciting—but it’s also one of the most common times insurance falls behind reality.Hiring new employees, expanding services, adding…

Chris DavisApril 8, 2026

Business Insurance commercial insurance Insurance

The Mid-Year Commercial Insurance Checkup Most Businesses Skip

Most businesses review their insurance once a year—right before renewal—when time is limited and decisions feel rushed. What often gets…

Chris DavisApril 1, 2026

Business Insurance commercial insurance Insurance

Coastal Windstorm Coverage: TWIA vs Full Protection

For many Texas coastal businesses, windstorm coverage is one of the most confusing—and critical—parts of their insurance program. It’s common…

Chris DavisMarch 25, 2026

Business Insurance commercial insurance Insurance

Who Is an Insured? Avoiding Entity Gaps

One of the most common—and costly—insurance issues we see has nothing to do with limits or exclusions. It comes down…

Chris DavisMarch 18, 2026

Business Insurance commercial insurance Insurance

Additional Insureds: Shared Coverage, Shared Risk

Being asked to add additional insureds is a routine part of doing business, especially for contractors, vendors, and service providers.…

Chris DavisMarch 11, 2026

Business Insurance commercial insurance Employee Benefits Insurance Life Insurance

Key-Person Insurance and Business Survival

Every business depends on people—but some individuals are so critical that their absence could significantly disrupt operations. Key-person insurance is…

Chris DavisMarch 4, 2026

Auto Insurance Business Insurance commercial insurance Insurance

Hired & Non-Owned Auto: A Silent Liability

Many business owners are surprised to learn that their company may be exposed to auto liability—even if the business doesn’t…

Chris DavisFebruary 25, 2026

Business Insurance commercial insurance Flood Insurance Insurance

Flood Insurance Myths After Hurricane Harvey

Hurricane Harvey permanently changed the way many Texas business owners think about flood risk. Yet, years later, one of the…

Chris DavisFebruary 18, 2026