Immutable Laws of Business Insurance Policies

There are two things that you must know before you buy or change insurance programs.

(PRWEB) June 8, 2007 -- Understanding their business insurance policies is key to every business owner's success, Rich Rozman, CLU, ChFC, business insurance consultant with SeibertKeck Insurance Services, believes, "Business owners will benefit by recognizing that business or commercial insurance policies always follow what I refer to as the 2 immutable laws."

Immutable Law # 1 is there is no one policy that protects against everything. Each policy has general and specific exclusions and limitations that should be noted.

Immutable Law # 2 is no two policies are exactly the same. Terms, forms, editions, endorsements, waiting periods, definitions, valuations and bases often differ from policy to policy.

According to Rozman, "Not being aware of these 2 immutable laws could set you up for a big disappointment if you experience a loss. Failure to secure the insurance protection your business requires can cause a coverage gap or wasted premium dollars."

To have the 2 laws of business insurance, the top 4 steps to controlling business insurance costs and Rozman's new monthly newsnote delivered to you, send an email to join-asktheinsuranceguy @ pr4.netatlantic.com. Type "subscribe" in the subject line.

"Ask the Insurance Guy will not be a newsletter with lengthy articles that include a lot of theory and principles. Instead, the newsnote will consist of a single, well-defined, relevant and actionable topic," says Rozman.

SeibertKeck Insurance Services is a nationally-known, Ohio-based provider of commercial, nonprofit and professional insurance programs with special emphasis in the areas of manufacturing, legal services and medical malpractice. SeibertKeck business insurance consultant Rich Rozman, CLU, ChFC, is a 30-year veteran of the insurance industry.

Rich Rozman, CLU, ChFC
SeibertKeck Insurance Services
RRozman @ SeibertKeck.com
888-752-9119

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