Cameron Ellis

Paper contractors often think they’re safe from the usual risks on construction sites because they don’t handle tools or do the physical work. But even when all the tasks are subcontracted, these contractors can still face serious liability if things go wrong. Tanner Webb, a construction underwriter with Central Insurance, has seen five common insurance … Read more

Insurance is a vital part of owning apartments, condos, or rental properties. It protects owners from financial and legal troubles that can arise from things like property damage or tenant injuries. Rachel Pinsonneault, a commercial lines underwriter at Central Insurance, explains why having the right coverage is more important than ever for habitational property owners. … Read more

Commercial auto insurance is seeing a big change thanks to data, with telematics technology leading the way. Once something only large fleets used, telematics systems have become a crucial tool for many kinds of businesses. They help lower costs, reduce insurance claims, and support smarter decision-making. Telematics combines vehicle sensors, GPS tracking, and cameras to … Read more

Many small and mid-sized businesses still think they are too small to be targets of cybercrime. But that belief can lead to big trouble. Cybercriminals often go after companies that seem like easy targets—those without a dedicated IT team, solid employee checks, or strict password rules. Jared Turnwald, a senior manager at Central Insurance, explains … Read more

When people think about cyber attacks, they often picture big companies making headlines after a huge data breach. But the truth is, these attacks are quietly happening much closer to home—and small businesses are often the main targets. Hackers see small companies as easier to break into because they usually have fewer resources, less IT … Read more

More than 80% of homes in the U.S. are over 20 years old, and spending on commercial renovations is expected to jump by 67% by 2030. This surge shows just how much people and businesses are focused on fixing up and reusing existing spaces instead of building new ones. Renovations can bring old buildings back … Read more

Construction sites face a lot of challenges when it comes to keeping materials safe and intact before they get used. Weather, theft, and poor storage are the main reasons materials get damaged on jobsites, and this can lead to serious delays and extra costs for contractors and property owners. Damien Hayden, a loss control specialist … Read more

Electrical contractors play an essential role in building and maintaining data centers, the backbone of today’s digital world. These jobs are different from typical electrical work because even a small mistake or delay can put millions of dollars’ worth of equipment and operations at risk. With the growing demand for cloud services, artificial intelligence, and … Read more

Almost three out of four small businesses rely on their employees to use personal, rental, or company-owned vehicles for work-related tasks. This widespread practice poses risks that go beyond what a personal auto insurance policy can cover. Amy Grigsby, a senior transportation underwriter at Central Insurance, explains that business auto insurance works differently because it … Read more

Contractors often face tough situations when disputes arise long after a project wraps up. Arguments flare, claims about injuries or property damage pop up, and suddenly, the general contractor finds themselves responsible for work they actually hired someone else to do. This usually happens because the subcontractor agreement wasn’t clear or wasn’t even in writing. … Read more