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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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Two smiling people working in a coffee shop.

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 Tips to Protect Your Business from Common Liability Risks

By Cell Brokerage | January 15, 2023

Running a business comes with its own risks. Read on to learn how you can protect your business from the liabilities that may arise from such risks.

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4 Examples of Commercial Risk

By Cell Brokerage | January 1, 2023

When running a business, risk is one of those words that you simply cannot avoid. Not understanding the risk you face in your business could be preventing you from acquiring that sizable contract or that ideal client. There are all sorts of risks that businesses take on and understanding them is vital for any business owner. In this article, we’ll look at some of the most typical business risks and how you can protect your company from them.

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Insurance for Business Owners

What Every Business Owner Should Know About Commercial Insurance

By Cell Brokerage | September 15, 2025

The Role of Commercial Insurance in Business Protection Running a business comes with risk, and commercial insurance is one of the most effective ways to manage it. From property damage to lawsuits, accidents, or cyberattacks, a single incident can lead to significant financial strain. Commercial insurance helps protect your business assets, employees, and operations by…

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Insurance Risks and Coverage

Top Risks Garage Owners Face—and How Insurance Can Help

By Cell Brokerage | September 1, 2025

The Unique Risks in Garage-Based Businesses Garage operations—such as auto repair shops, detailing services, and towing companies—come with a unique set of risks. Handling customer vehicles, operating heavy equipment, and managing on-site staff can all lead to incidents. Without proper coverage, a single claim could put your business in jeopardy. Insurance tailored for garage operations…

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Telematics Auto Insurance

Telematics and Big Data: How They’re Shaping the Future of Auto Insurance

By Cell Brokerage | August 18, 2025

The Digital Evolution of Auto Insurance The auto insurance industry is undergoing a major transformation, driven by the rise of telematics and big data. Traditional rating models based on age, location, and driving history are giving way to personalized, data-driven policies. With more connected vehicles on the road, insurers now have access to real-time insights…

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Commercial Risk Management

How Commercial Risk Management Shields Businesses from Emerging Threats

By Cell Brokerage | August 4, 2025

The Rising Tide of Business Threats in a Rapidly Evolving World Today’s businesses face a landscape filled with evolving threats that go far beyond traditional risks like fire or theft. From cyberattacks and supply chain disruptions to regulatory changes and reputational hazards, the modern enterprise must contend with a range of vulnerabilities that can severely…

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Understanding Coverage Limits in Commercial Property Insurance

By Cell Brokerage | July 15, 2025

Having a commercial property insurance policy is a smart step toward safeguarding your business, but understanding how that policy works is even more important. One of the most misunderstood elements of commercial property coverage is the concept of limits. These limits define the maximum amount your insurer will pay for a covered loss, and if…

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How to Avoid Costly Garage Liability Insurance Claims

By Cell Brokerage | July 1, 2025

Garage liability insurance plays an important role in helping powersports dealerships manage third-party claim risks. Dealerships that take active steps to reduce risk not only minimize potential losses but also maintain lower premiums and enhance their operational resilience. Understanding Common Claim Triggers At the core of many garage liability claims are incidents that occur during…

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Garage Liability and Garage Keepers’ Liability for Powersports Dealerships

By Cell Brokerage | June 16, 2025

Powersports dealerships are hubs of commerce, where potential buyers interact with inventory, test-ride vehicles, and engage with sales staff. The dynamic environment in the showroom presents a unique set of risks. One unexpected accident, a slip on the showroom floor, or a damaged customer vehicle can lead to significant financial losses or legal trouble. That’s…

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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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