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Commercial Insurance

Small business owner reviewing a general liability insurance renewal document at a desk with coffee and laptop.

Why Your General Liability Premium Went Up — Even Without a Single Claim

Even if your business has a spotless record, your general liability premium can still rise. Learn how inflation, reinsurance, and industry-wide risk trends affect insurance pricing — and what you can do to keep your costs under control at renewal time.

Gerald Burns

Oct 234 min read

Front yard of a house decorated for Halloween at night, glowing orange pathway lights and jack-o’-lanterns leading to the porch, showing safe lighting for trick-or-treaters.

🎃 The Night Everything Nearly Went Wrong — and the Gear That Could’ve Saved It

Halloween safety doesn’t have to be scary. See how one chaotic night turned into a lesson on home protection with five simple must-haves — surge protector, outdoor lighting, pet gate, stair treads, and a security camera — that keep your home and insurance record safe from spooky surprises.

Gerald Burns

Oct 195 min read

Unfinished kitchen with cabinets and tools left behind after a contractor abandoned a home renovation project, illustrating the importance of contractor insurance certificates.

The Vanishing Contractor — and the Lesson Hidden in My Half-Finished Kitchen

A true story of trust gone wrong — and what one homeowner learned after a contractor vanished mid-renovation. Discover why asking for contractor insurance certificates can save your wallet and your peace of mind.

Gerald Burns

Oct 194 min read

Car parked on a dark foggy road with hazard lights on and six amber LED roadside flares glowing in a line behind it — night roadside emergency scene.

5 Things in My Car That Saved Me from a Night of Horror

A quiet foggy night turned into a roadside lesson in preparedness. When a deer darted across my path, five essentials from my roadside emergency kit — and a bit of luck — turned a horror-night breakdown into a safe ride home.

Gerald Burns

Oct 194 min read

Workers shoveling snow and clearing ice outside a modern office building during winter to prevent slip hazards.

Winter Safety Checklist for Retail and Office Buildings

Keep your retail or office building safe this winter with a smart, practical checklist. Learn how to prevent slips, leaks, and frozen pipes — plus see how Govee smart sensors help stop damage before it starts.

Gerald Burns

Oct 165 min read

Certificate of Insurance document on a construction site table with a yellow hard hat and buildings under construction in the background.

Why Every Contractor Needs a Certificate of Insurance Ready to Go

Every contractor needs a Certificate of Insurance (COI) ready before any project begins. Learn how staying organized — and using tools like HoneyBook — helps you win more bids, stay compliant, and simplify insurance audits.

Gerald Burns

Oct 124 min read

Small business owner driving a commercial vehicle on a snowy Minnesota highway

How Small Businesses Can Unlock Commercial Auto Insurance Savings Without Cutting Coverage

Small business owners can reduce commercial auto insurance costs without losing protection. Learn proven ways to save money while keeping full coverage on your vehicles.

Gerald Burns

Oct 114 min read