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What Is Commercial Insurance Coverage?

By Cell Brokerage | June 1, 2023

If you’re a small, medium-sized, or large business owner, we bet you’re no stranger to the potential pitfalls that come with running your own show. From the looming threat of lawsuits to the unpredictable havoc of natural disasters or accidents, the risks can keep you on your toes.

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What Should Not Be a Part of a Risk Management Plan?

By Cell Brokerage | May 15, 2023

Effective risk management is crucial for businesses and corporations to safeguard their operations against potential threats. A comprehensive risk management plan can help companies prevent or minimize financial losses, reputational damage, and legal issues. However, there are certain elements that should not be included in a risk management plan.

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When Should You Use Personal Insurance vs. Commercial Insurance

By Cell Brokerage | May 1, 2023

If you’re an entrepreneur or a freelancer, then you know that managing risk is an important aspect of running a business, and one component of risk management is insurance. However, determining the appropriate type of insurance coverage can be quite an undertaking if you’re new to managing risk. This is especially true for entrepreneurs and freelancers who work from home and often use personal items for work-related tasks. It can be challenging to discern if additional commercial insurance coverage is necessary beyond personal insurance policies.

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Why Risk Management Is Important

By Cell Brokerage | April 15, 2023

Like everything else in life, running a business comes with risks. Risk management is a crucial aspect of any successful organization, yet many make the mistake of not taking it seriously. Businesses that take a passive approach to risk management, whereby potential risks are ignored or deemed insignificant, are at great risk in the event of an actual disaster.

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Commercial automobile

When Is Commercial Auto Insurance Required?

By Cell Brokerage | April 1, 2023

Operating a business can be stressful—as a business owner, you have a lot to be responsible for, whether it be the daily business operations or protecting your business from financial loss. One way you can safeguard your business is by purchasing commercial auto insurance, which is a crucial form of insurance for business owners who use vehicles as part of their daily operations

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A suburban neighborhood with flooded streets and water covering the yards.

What Flood Insurance Does Not Cover

By Cell Brokerage | March 15, 2023

Did you know that damage caused by floods is typically not covered under most standard homeowners insurance policies? In fact, if you reside in an area with a high risk of flooding, your mortgage lender will likely require you to purchase flood insurance through FEMA’s National Flood Insurance Program (NFIP) and associated programs provided by your insurance professional. However, it’s worth noting that over 20% of flood insurance claims come from areas that are not considered high-risk for flooding, which is why it’s recommended that homeowners consider obtaining coverage regardless of their location.

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Rear-end car collision

Car Insurance 101: Terms You Need to Know

By Cell Brokerage | March 1, 2023

In 2019, over half of the 12.15 million vehicles involved in collisions in the U.S. were passenger cars. When it comes to car insurance, it can be overwhelming to find the right policy to suit your needs, as there are many different terms to get familiar with. In this article, we’ll review 10 important terms you should know before signing up for a car insurance policy.

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Mastering the Fundamentals: Understanding the Four Concepts of Effective Risk Management

By Cell Brokerage | February 15, 2023

Understanding the four core concepts is crucial for effective risk management, which is a critical component of any organization’s success. These include identifying, evaluating, prioritizing, and controlling risks. These steps support businesses in locating potential risks, evaluating their effects, prioritizing their efforts, and taking the necessary measures to mitigate them. Understanding these ideas can help safeguard an organization’s assets.

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Why Is Life Insurance Important for the Self-Employed?

By Cell Brokerage | February 1, 2023

You may not realize it, but life insurance is an important part of being self-employed. Without it, your death could result in more than just the emotional toll it will take on those left behind. Here are a few reasons you should consider buying a policy.

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Top Risks Covered by Property Insurance for Commercial Buildings

By Cell Brokerage | June 2, 2025

Commercial properties face many physical risks, from fire and theft to storm damage and water leaks. Whether you run a small retail shop, operate a large warehouse, or manage office spaces, protecting your physical assets is a critical part of running a business. This is where commercial property insurance plays a key role in helping…

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From Showroom to Advocacy: Navigating the Powersports Commercial Insurance Landscape

By Cell Brokerage | May 15, 2025

The powersports industry is an exciting and fast-paced business, where dealerships provide customers with high-performance motorcycles, ATVs, and other vehicles. However, beyond the thrill of sales and service, there is an integral aspect that dealers must prioritize—risk management. Commercial insurance is not just a regulatory requirement; it can play an important role in helping protect…

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Protecting Your Investment with the Right Dump Truck Insurance

By Cell Brokerage | May 1, 2025

Dump trucks are important assets that drive business in construction, hauling, and waste management. Whether you own one truck or a small fleet, these trucks represent a significant investment that needs protection. The right dump truck insurance policy isn’t just about covering damage or loss, it’s designed to help support compliance and business continuity. Let’s…

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Top 5 Risk Management Issues for Dealers

By Cell Brokerage | April 15, 2025

Running a successful powersports dealership comes with exciting opportunities—but also significant risks. From property damage to digital threats, dealers face many challenges that can jeopardize their financial stability and reputation. Ignoring these risks can lead to costly setbacks, but with proper planning, they can be managed effectively. Let’s explore the top five risk management issues…

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The Importance of Total Transparency in Insurance

By Cell Brokerage | April 1, 2025

Running a dealership is a complex balancing act. You’re constantly working to build trust with customers, ensuring they get the best deals and the right vehicles. You understand the value of open communication in building lasting relationships, but what about when it comes to your own business’s insurance?  Let’s explore why total transparency is important…

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The Importance of Cyber Insurance for High Net-Worth Individuals

By Cell Brokerage | March 17, 2025

High-net-worth individuals (HNWIs) manage vast financial resources, own multiple properties, and often run businesses or hold key corporate positions. This financial status makes them prime targets for cybercriminals. Cyber threats such as identity theft, fraud, data breaches, and ransomware attacks are becoming more sophisticated, making it necessary for affluent individuals to secure cyber protection. Why…

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Insurance Options for High-Value Homes

By Cell Brokerage | March 1, 2025

Whether it’s a sprawling estate, a historic property, or a modern architectural masterpiece, your home represents a substantial financial investment. With that investment comes the responsibility of protecting it. Standard homeowners insurance may not provide enough coverage for luxury homes, which is why high-value home insurance exists. Let’s look at the importance of high-value home…

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Customized Business Insurance Quotes for High-Net-Worth Individuals in Arizona

By Cell Brokerage | February 14, 2025

Business insurance is more than just a safety net—it is an integral tool for protecting the assets and operations of enterprises, particularly for high-net-worth individuals. In Arizona, where the entrepreneurial landscape is diverse and robust, businesses with substantial assets and unique risks require customized insurance solutions. Tailored coverage helps address the specific needs of high-value…

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The Role of Business Liability Insurance in Protecting Nevada’s Elite Enterprises

By Cell Brokerage | February 1, 2025

Running an elite enterprise in Nevada comes with both prestige and complexity. Managing high-value operations means navigating a landscape filled with potential risks, from legal disputes to reputational challenges. For businesses operating at the top tier, protecting assets and enjoying long-term stability is not just a priority—it’s a necessity. Business liability insurance serves as a…

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