Insurance Guides and Broker Advice

Plain-language guidance written and reviewed by RIBO-licensed brokers.

Clear, practical insights to help you make informed decisions about your risk management strategy.

7 articles

What Insurance Does a Contract Actually Require? Reading the Clause Before You Sign

Additional insured, waiver of subrogation, primary and non-contributory, cross-liability — what each requirement means, and how to tell whether your current policy really satisfies it.

7 min readRead article

Industry Guides

Tech E&O vs Cyber Insurance: Which One Does Your IT Business Actually Need?

IT consultants and MSPs are routinely sold one and assume it covers the other. Here is the practical difference, and what happens when the wrong one is in place.

6 min readRead article

Industry Guides

How Much Business Interruption Coverage Does a Restaurant Really Need?

The indemnity period, not the limit, is what determines whether business interruption coverage carries a restaurant through a kitchen fire. Most are set far too short.

5 min readRead article

Industry Guides

Who Insures the Goods in Your Warehouse? Property vs Warehouseman's Legal Liability

A commercial property policy covers what you own. If you store goods for customers, that is a different coverage entirely — and the limit needs to reflect peak volume, not average.

6 min readRead article

Business Insurance Basics

What Information Do You Need for a Business Insurance Quote?

A checklist of the operational, financial and property details required for an accurate commercial quote — and why gathering them first produces better terms, not just a faster answer.

4 min readRead article

Coverage Guides

Commercial General Liability Explained

The foundation of every commercial insurance portfolio: what CGL covers, what it does not, why the duty to defend matters, and how to choose limits.

5 min readRead article

Personal Insurance

When Should You Review Home and Auto Insurance?

The life events that change your personal insurance position — and why failing to report them is the most common reason a household claim runs into trouble.

3 min readRead article

Articles

What Insurance Does a Contract Actually Require? Reading the Clause Before You Sign

Tech E&O vs Cyber Insurance: Which One Does Your IT Business Actually Need?

How Much Business Interruption Coverage Does a Restaurant Really Need?

Who Insures the Goods in Your Warehouse? Property vs Warehouseman's Legal Liability

What Information Do You Need for a Business Insurance Quote?

Commercial General Liability Explained

When Should You Review Home and Auto Insurance?