Amy Thomas- All-Risks Insurance Brokers

12/23/2025

Merry Christmas & Happy Holidays

As the year comes to a close, I want to take a moment to sincerely thank my clients, colleagues, and partners for the trust, support, and referrals throughout the year. It truly means more than you know.

This season is a great reminder to slow down, reflect, and spend time with the people who matter most. I hope your holidays are filled with peace, laughter, and time well spent with family and friends.

Wishing everyone a safe, happy holiday season and all the best in the year ahead.

Amy

12/09/2025

Why Keeping Your CGL and E&O Polices Active Matter, Even After the Contract Ends.
I recently spoke with a business owner who only wanted Commercial General Liability (CGL) coverage and planned to open and close policies as new contracts came up. While this might seem like a cost-saving approach, it can leave a major gap in protection.
Here’s the reality:
✔️ Claims don’t always happen while you’re working.
A client can file a claim months after the contract is completed. If your policy has been cancelled or allowed to lapse, there is no coverage to respond,meaning you could be fully responsible out of pocket.
✔️ E&O (Errors & Omissions) protects the professional advice you give.
Even if you’re confident in your work, misunderstandings, financial loss, or allegations of negligence can arise later. Without an active E&O policy, there’s no safety net.
✔️ CGL and E&O work together.
CGL protects against bodily injury and property damage.
E&O protects against financial loss caused by your professional services.
Most consultants need both, and both should remain active consistently.
✔️ Continuous coverage = continuous protection.
Insurance isn’t just for when you’re actively working; it’s for the risk that lingers after the work is done.
If you’re consulting, contracting, or offering professional advice, keeping your policies active can save you from significant financial exposure.

12/09/2025

Why Keeping Your CGL and E&O Policies Active Matters, Even After the Contract Ends

I recently spoke with a business owner who only wanted Commercial General Liability (CGL) coverage and planned to open and close policies as new contracts came up. While this might seem like a cost-saving approach, it can leave a major gap in protection.
Here’s the reality:
✔️ Claims don’t always happen while you’re working.
A client can file a claim months after the contract is completed. If your policy has been cancelled or allowed to lapse, there is no coverage to respond, meaning you could be fully responsible out of pocket.
✔️ E&O (Errors & Omissions) protects the professional advice you give.
Even if you’re confident in your work, misunderstandings, financial loss, or allegations of negligence can arise later. Without an active E&O policy, there’s no safety net.
✔️ CGL and E&O work together.
CGL protects against bodily injury and property damage.
E&O protects against financial loss caused by your professional services.
Most consultants need both, and both should remain active consistently.
✔️ Continuous coverage = continuous protection.
Insurance isn’t just for when you’re actively working; it’s for the risk that lingers after the work is done.
If you’re consulting, contracting, or offering professional advice, keeping your policies active can save you from significant financial exposure.

Send a message to learn more

11/19/2025

Attention Accountants & Professional Offices- Your Biggest Risks Aren’t Always Visible

You may not work with heavy machinery or hazardous tools, but your business faces a different kind of risk every day:

• Sensitive financial data
• Client trust and reputation
• Time-sensitive accuracy
• On-site client interactions

One mistake. One cyber breach. One unexpected shutdown…
and your business could face significant financial and legal consequences.

Insurance Coverage You Shouldn’t Operate Without
✅ Professional Liability (E&O) - protects against financial loss caused by errors or advice
✅ Cyber Liability- covers ransomware, data theft & digital fraud
✅ Commercial General Liability (CGL) -slip-and-falls or property damage
✅ Commercial Property / Contents -computers, equipment & office space
✅ Business Interruption - income protection if you’re forced to close temporarily

You work hard to protect your client’s financial future. Make sure your own business is just as secure.

11/19/2025

Attention Accountants & Professional Offices- Your Biggest Risks Aren’t Always Visible

You may not work with heavy machinery or hazardous tools, but your business faces a different kind of risk every day:

• Sensitive financial data
• Client trust and reputation
• Time-sensitive accuracy
• On-site client interactions

One mistake. One cyber breach. One unexpected shutdown…
and your business could face significant financial and legal consequences.

Insurance Coverage You Shouldn’t Operate Without
✅ Professional Liability (E&O) - protects against financial loss caused by errors or advice
✅ Cyber Liability- covers ransomware, data theft & digital fraud
✅ Commercial General Liability (CGL) -slip-and-falls or property damage
✅ Commercial Property / Contents -computers, equipment & office space
✅ Business Interruption - income protection if you’re forced to close temporarily

You work hard to protect your client's financial future. Make sure your own business is just as secure.

10/28/2025

❄️ Snow Removal Season Is Around the Corner!
 
As winter approaches, it’s the perfect time for snow removal contractors to review their insurance coverage. Having the right liability protection in place helps safeguard your business from unexpected risks during one of the busiest (and most demanding) seasons of the year.
 
🧾 Key things to look for in a snow removal contractor policy:
 
✅ Broad coverage limits (from $1M up to $10M per occurrence)
✅ Coverage for Tenants’ Legal Liability, Non-Owned Auto, and Pollution
✅ SEF #94 - Damage to Hired Autos included
✅ Flexible deductible options and fast turnaround on quotes
 
Working with an independent brokerage ensures you have access to multiple markets and coverage options tailored to your operations. 
From commercial properties to residential driveways and municipal routes, tailored coverage options are available to protect your operations.
 
Stay ahead of the snow and protect your business before the first storm hits! 🌨️

10/16/2025

Insurance Insights for General Contractors

Construction work comes with unique risks, from on-site accidents to equipment damage and project delays. Understanding your insurance needs is key to protecting your business, your team, and your projects.

Here are a few areas every general contractor should be aware of:

• Commercial General Liability (CGL): Protects against third-party injuries or property damage on the job site.
• Builder’s Risk & Wrap-Up Insurance: Covers materials, structures, and ongoing projects during construction.
• Equipment & Tools Coverage: Ensures costly tools and machinery are protected against theft, loss, or damage.
• Professional Liability: Offers protection if design or consulting errors occur.
• Professional & Errors & Omissions Liability: Covers design, planning, or consulting mistakes that cause financial loss for a client.
• Cyber Liability: Covers risks related to client data, invoicing systems, or company networks, especially for tech-enabled contracting businesses.

Pro Tip: Insurance needs evolve as your business grows, or projects change. Regularly reviewing your coverage can prevent gaps that could be costly down the line.
Staying informed about these risks helps contractors focus on what they do best, building great projects while keeping their business secure.

10/07/2025

Starting a New Business? Here’s What to Know About Commercial Insurance
 
I spoke with a potential client recently who’s launching a new business, and it reminded me how exciting (and overwhelming) those first steps can be. There’s a lot to think about: finding a location, building a brand, hiring staff… and, of course, protecting it all with the right insurance coverage.
 
When you’re just starting out, it’s easy to overlook insurance or assume it’s one-size-fits-all. But every business is unique, and your coverage should reflect that.
 
Here are a few key things to consider when setting up your commercial policy:

✅ General Liability – Protects against accidents or injuries on your premises.
✅ Property Coverage – Covers your building, equipment, and inventory from damage or loss.
✅ Business Interruption – Helps replace lost income if you’re forced to close temporarily.
✅ Commercial Auto – If you or your team use vehicles for business.
✅ Cyber Liability – Increasingly important if you store client data or process payments online.
 
Whether you’re opening a retail shop, launching a restaurant, or starting a contracting business, the right policy can make all the difference when the unexpected happens.
If you’re planning a new venture, take the time to get advice early. Setting up your coverage properly from the start helps protect not just your business, but your peace of mind.

10/07/2025

Starting a New Business? Here’s What to Know About Commercial Insurance

I spoke with a potential client recently who’s launching a new business, and it reminded me how exciting (and overwhelming) those first steps can be. There’s a lot to think about: finding a location, building a brand, hiring staff… and, of course, protecting it all with the right insurance coverage.

When you’re just starting out, it’s easy to overlook insurance or assume it’s one-size-fits-all. But every business is unique, and your coverage should reflect that.

Here are a few key things to consider when setting up your commercial policy:

✅ General Liability – Protects against accidents or injuries on your premises.
✅ Property Coverage – Covers your building, equipment, and inventory from damage or loss.
✅ Business Interruption – Helps replace lost income if you’re forced to close temporarily.
✅ Commercial Auto – If you or your team use vehicles for business.
✅ Cyber Liability – Increasingly important if you store client data or process payments online.

Whether you’re opening a retail shop, launching a restaurant, or starting a contracting business, the right policy can make all the difference when the unexpected happens.
If you’re planning a new venture, take the time to get advice early. Setting up your coverage properly from the start helps protect not just your business, but your peace of mind.

09/30/2025

When people see All-Risks in our name, they often think it means we deal with “high-risk” or “hard-to-place” insurance.

The truth? In our world, All-Risks speaks directly to the commercial side of the business - covering everything from contractors and restaurants to tech companies and professional services.

Why do we love commercial insurance so much?

Because every business is different. Each story is unique. And each policy is tailored to fit the way that business actually operates.

It’s never just about ticking boxes - it’s about protecting a dream, a payroll, a reputation, and the people behind it all.

That’s what keeps us motivated. Helping business owners feel confident that no matter what comes their way, they’ve got a team in their corner.

Commercial insurance isn’t boring paperwork - it’s the backbone of growth, innovation, and peace of mind. And that’s why we love it.

09/24/2025

Last week, I had the chance to sit down with the superintendent of a fleet of commercial buildings. She shared her experiences navigating insurance - everything from unexpected coverage gaps to rising premiums to the challenge of getting clear answers when she needed them most.

It was a reminder that behind every policy are real people trying to protect the assets they’re responsible for. The conversations aren’t just about numbers or contracts - they’re about trust, risk management, and peace of mind.

I left that meeting encouraged, because these challenges are exactly where brokers can make the biggest impact. When we take the time to listen, educate, and advocate, we can turn frustration into confidence.

That’s why I love what I do. At the end of the day, it’s about building relationships and helping people feel secure in the work they’re doing.

08/22/2025

Aluminum Wiring in Your Home? You Can Still Get Coverage!

This month, I’ve had a few clients purchase homes with aluminum wiring, and many weren’t sure what to do next. While it can pose higher risks, it doesn’t have to block your insurance.
✅ Many carriers offer coverage—often at competitive rates
✅ An electrician’s inspection or minor updates can make all the difference
✅ Proper documentation = smoother approval and peace of mind
Being proactive saves time, stress, and money. Don’t let aluminum wiring hold you back from protecting your home.
💡 If your home has aluminum wiring, I can help you compare multiple carriers and find the best fit.
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