Chelsi Hobbs - CoVerica Insurance

10/16/2025

Two companies I talked to this month thought they had Cyber insurance with their current agents.
They didn’t - they had a $250 “Cyber endorsement".

Both ended up paying $30,000+ and $50,000+ out of pocket after Cyber claims.

For their size, a true Cyber policy (around $3,000/year) would’ve covered it all.

That’s a $27,000 and a $47,000 difference... and a hard lesson in what “coverage” really means.

True Cyber insurance is no longer an optional coverage. It’s necessary.

07/03/2025

Thank you, Insurance Business America for reaching out to talk about some of the mistakes that agents and construction companies are making with their commercial insurance programs.

A reactive approach to insurance is leaving contractors exposed to gaps, exclusions, and escalating litigation risks

03/25/2025

In the last 2 weeks, my team and I have saved 3 clients 30-40% in premium on their Commercial Insurance.

No, their revenue didn't decrease from last year, it was higher.
No, they didn't have less autos in their fleet than last year, there were more.
No, we didn't decrease their property valuation, we actually increased it by 20%.

That isn't the case for every client we serve but the Agent and Agency you choose to represent your company makes a difference.

Contact me if you want to see how I can help. 😀

11/20/2024

Commercial Auto Insurance burning a hole in your company's wallet? Check out my article!

In every renewal and new client meeting, we are having similar conversations: how difficult it is to find good employees, the effects inflation is having on businesses and how much people hate insurance. While I'm not a recruiter or a politician or economist, I do deal with Commercial Auto Insurance

11/11/2024

Honoring all who served. Thank you, to our Veterans!

10/08/2024

"Harassment, discrimination, unequal pay" are all words that can quickly get your business wrapped up in an employee-related claim, which can eventually end up in a courtroom or at a mediation table. Is your business protected?

I'm sure you've talked with your broker extensively about the Big 4 lines of Commercial Insurance: General Liability, Property, Commercial Auto and Worker's Comp. Let's dive into Employment Practices Liability Insurance (EPLI): An equally important, but many times overlooked, line of insurance to pr

08/26/2024

In the second edition of "Building Blocks of Coverage", we dive into "Third-Party Action Over" claims and the potential legal and financial repercussions construction companies might face as a result.

Never heard of it? Now is a great time to learn about it. 😀

A "third-party action over" claim is an important concept in construction law, particularly in the context of workers' compensation and liability. Here's an overview of what it entails: Third-Party Action Over Construction sites are inherently risky, and accidents can happen, leading to injuries.

07/25/2024

Insurance can be confusing and convoluted. Subscribe to my Newsletter, "Building Blocks of Coverage" for insider insights on Construction Insurance Coverage.