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Get to know: Tracy Hartman, office manager and personal lines agent

Tracy, right, with husband, Chris; daughter, Samantha; and son, Nathan. Where did you grow up? Pine Grove Can you tell us a little bit about your family? I am married to Chris Hartman, 20 years. We have two children,...

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Business interruption insurance compensates for lost income caused by disaster-related damage

Hurricane Irma, which struck in late summer 2017, caused estimated insurance losses in Florida of $8 billion, including 3,840 business interruption claims. Disasters cost inoperable small businesses an average of $3,...

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Get to know: Chris Painter, AIS co-owner and commercial lines team leader

The Painter family Your wife, Courtney, and her brother, Doug Erwin, started AIS in 2000. You joined AIS in 2007 after majoring in civil engineering at the University of Pittsburgh-Johnstown and then working for a...

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What you need to know to manage workers' compensation costs

Workers' compensation was the first form of social insurance in the United States: The first law was enacted in 1908 to cover federal civilian employees. Today, all 50 states, plus the District of Columbia, Puerto Rico...

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With inland marine coverage, your tools and equipment are covered wherever you take them

A construction site can go from being a hub of activity during the day to utter blackness overnight. A chain-link fence surrounding the property can deter thieves, but you'll often read about the theft of tools and...

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Permanently attached equipment specifically should be noted when contractors buy commercial auto insurance

If you're a building contractor, your truck is your livelihood. You spend an awful lot of time in it, driving to and from work sites. It's your home away from home, so it's likely you've modified it to accommodate so-...

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If you provide a professional service, you should consider professional liability insurance

For all of the talk about gridlock in politics, some issues elicit bipartisan agreement. Take, for instance, Pennsylvania Act 65 of 2012. In June of that year, legislation mandating that all dentists in the...

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Business insurance coverage starts with a general liability policy

The U.S. Small Business Administration recommends that businesses assess their insurance needs on an annual basis. As a business grows, after all, so do its liabilities. A good place to start is with general liability...

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Fiduciary liability: Make sure you're covered or you could wind up looking like this guy

With so many necessary insurance coverages to consider, a busy business owner and/or executive might overlook or minimize the importance of fiduciary liability. Warning: An oversight or misstep in this area is like a...

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Required if you have employees, workers compensation insurance can be costly and confusing

A recent workers compensation claim crossed our desks and had us seeking case law to learn more. An employee who sustained a work-related injury was prescribed a treatment regimen with the goal of returning to work...

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