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Subrogation, What Does it Mean to You?

While combing through many contracts over the past few years I’ve come across the word subrogation many times. When I started my career at Hausmann-Johnson Insurance I understood the idea behind the subrogation, but I didn’t completely comprehend what these contracts were asking our insurance..

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The Fundamentals of the National Flood Insurance Program (NFIP)

Author: Doug Lefeber

Category: Property & Casualty

  1. Who can purchase a flood policy?

All owners of insurable property (building and/or contents) in a community that participates in the NFIP.

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Important Flood Links and Information

Here are some important links we've gathered that may help answer questions regarding the historic flooding in Southern Wisconsin this week:

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Making Music in Construction Contract Management

A few weeks back my daughter treated me to tickets for an Anderson East concert at the Majestic Theatre in Madison, WI.  (By the way, he puts on a great show.) During the second set, he covered one of my favorite old tunes by Sam & Dave, “Hold On, I’m Coming.” He then immediately transitioned..

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Medical Payments Limit: When Less Becomes More

Now and again, it is our recommendation in the insurance industry that businesses carry higher liability limits. So, someone might wonder: “Why is my medical expenses limit so low compared to my other general liability coverages?”

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Real Estate, meet Hospitality.

Underground parking? On-site gym? Rooftop pool? Mechanical valet parking? Developers and property managers alike agree that these Class-A amenities have now become commonalities in the multifamily housing sector. While luxury amenities have been established as significant selling points, tenant..

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Take the Regulators Out to the Ballgame

This week, we celebrate one of the very best days of the year: Opening Day for Major League Baseball. I’m from Milwaukee and grew up going to County Stadium/Miller Park to watch the games. Whenever I’d go, I always admired the catchers. I was impressed by their ability to crouch behind the plate..

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Business Income Coverage: Saving Your Business from Failure!

Imagine this: You own a deli shop and operate that business in a commercial space that you rent. Your income is derived entirely from meat and other food sales. One day, a tornado blows through town, damaging your shop severely. The building is now unusable, the refrigerators are gone, the..

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2 Questions Property Owners Should Ask About Pollution Liability

For starters, most general liability insurance policies have a pollution exclusion built into the coverage form, and often additional exclusionary wording regarding mold and fungi. These exclusions are meant to exclude coverage for bodily injury or property damage arising out of the discharge,..

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Indemnification - Big Word, Big Risks 

Almost all businesses enter into numerous contractual agreements each year.  These agreements are often given the same cursory review as an iTunes Agreement.  Failure to closely scrutinize the details of these agreements can adversely impact the business’s total cost of risk in the event of a..

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