Cameron Ellis

Contractors and builders often find themselves confused between two similar-sounding insurance coverages: inland marine and installation floater. Understanding the difference is important to make sure tools, equipment, and materials are properly protected throughout a job. Inland marine insurance covers items that move over land, like tools and equipment used on different job sites. Despite its … Read more

Severe weather events are hitting the U.S. harder and more often than before, causing big problems for both small businesses and homeowners. In 2024, the country faced 24 major weather disasters, each with losses exceeding $1 billion. These storms include hurricanes, wildfires, hailstorms, and floods, and they have made clear just how important it is … Read more

Running an equipment distribution business comes with its own set of risks. From theft and fire damage to accidents during deliveries, these challenges can disrupt operations and threaten financial stability. Deidra Hoschak, a senior small business underwriter at Central Insurance, shares important advice on the types of insurance that equipment distributors—especially those outside the food … Read more

Pennsylvania continues to stand out as a great place for small businesses, which make up nearly all of the companies in the state. In 2024, the state’s economy showed strong growth with a gross state product reaching $804.4 billion. Business openings and expansions, especially from small local companies, added over 108,000 new jobs in 2025. … Read more

Pennsylvania is seeing exciting growth in its economy, particularly in small businesses, manufacturing, transportation, and construction. Small businesses make up an impressive 99.6% of all companies in the state, highlighting their crucial role in local job creation and economic stability. In 2025, business expansions alone added over 108,000 jobs, driven by advancements in technology and … Read more

Electronic components are essential to our daily lives, powering everything from smartphones to laptops. As demand for these components rises, manufacturers face significant challenges. A single faulty part can lead to major disruptions, resulting in costly claims and liability issues. This reality highlights the need for specialized insurance tailored to the unique risks of the … Read more

As the new school year approaches, safety is a top priority for families, especially when it comes to getting children to and from school. The National Highway Traffic Safety Administration (NHTSA) emphasizes that school buses are among the safest ways for students to travel. However, this safety depends heavily on the actions of drivers, children, … Read more

Wholesale fabric distributors play a crucial role in the supply chain for retailers, designers, and manufacturers across the country. However, their business comes with significant risks, including handling large inventories of flammable materials and managing complicated vendor contracts. As these distributors work to ship fabrics nationwide, they must also consider the potential for theft, weather-related … Read more

As more Baby Boomers reach retirement age, many adult children are choosing to invite their parents to live with them in multigenerational homes. While this arrangement can offer emotional support and practical help, it also raises important questions about insurance. One of the first things to consider is whether parents moving in will be covered … Read more