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The Kahler Agency Heritage that guides us, insurance that guards you. Offering the full range of Property and Casualty products for personal and business insurance.

09/08/2026

Your tools may be most exposed when they are nowhere near your building.

Contractors and service businesses often move valuable equipment between the shop, vehicles, temporary storage, and multiple jobsites.

That creates questions a standard property discussion may not fully address:
• Where is the equipment stored overnight?
• Is it covered while in transit?
• What happens at an unsecured jobsite?
• Are rented or borrowed items included?
• Are employee-owned tools involved?
• Are limits based on replacement cost or another valuation?
• Is theft subject to special conditions?

Inland marine coverage can be designed for certain movable property and equipment, but the details matter.

A useful exercise is to create an equipment schedule with descriptions, serial numbers, values, photos, and primary storage locations. That makes the insurance review more accurate and can make a future claim easier to document.

When was the last time your equipment list was updated?

09/01/2026

The workers’ compensation conversation should not begin and end with the premium.

The larger opportunity is reducing the human and operational impact of injuries.

Strong programs usually focus on:
• Clear job expectations
• Practical employee training
• Supervisor accountability
• Early incident reporting
• Prompt medical direction
• Modified-duty or return-to-work options
• Reviewing near misses—not just claims
• Correcting repeat loss trends

A lower price is helpful. Fewer injuries, less disruption, and a healthier workforce are better.

My experience has taught me that many serious claims are preceded by smaller warning signs: recurring strains, rushed work, poor housekeeping, missing maintenance, or inconsistent supervision.

Insurance transfers part of the financial risk. Leadership and daily operating discipline reduce the underlying risk.

What is one safety issue your team keeps seeing more than once? That repeated issue is often the best place to start.

08/25/2026

Using a vehicle for business does not automatically make it properly insured for business.

The right approach depends on who owns the vehicle, how it is used, who drives it, what is transported, and which policy applies.

Questions worth asking:
• Is the vehicle titled personally or to the business?
• Are employees driving it?
• Is it used to deliver products, tools, or equipment?
• Are there regular jobsite trips?
• Are personal vehicles used for company errands?
• Does the business reimburse mileage?
• Are trailers attached to the vehicle?

Business use can create coverage questions that are easy to miss when the only discussion is, “I have auto insurance.”

Commercial auto losses can also become severe quickly because they involve injuries, property damage, downtime, and potential liability to the business.

The practical step: document how every vehicle is actually used, then make sure that use matches the insurance program.

08/18/2026

A certificate of insurance is not the same thing as the insurance policy.

A COI is useful evidence of stated coverage on a particular date. It does not replace the policy, rewrite exclusions, or automatically satisfy every requirement in a contract.

That matters when a business is:
• Hiring subcontractors
• Starting work for a general contractor
• Leasing space
• Signing a vendor agreement
• Adding a customer as an additional insured
• Agreeing to specific limits or endorsements

The insurance requirement may look simple on one page, but the actual obligation can involve policy language, endorsements, notice provisions, and risk-transfer terms.

Before signing a contract, have the insurance section reviewed by the right professionals. Your attorney can address the contractual obligation, and your insurance advisor can confirm what the policy can—and cannot—provide.

A five-minute review before signing can prevent a much harder conversation later.

08/11/2026

The worst time to discover your insurance no longer fits is after a claim.

Commercial policies should evolve with the business, but renewals are often treated like an annual paperwork exercise.

A stronger renewal review starts well before the effective date. Look for changes such as:
• New vehicles or drivers
• Higher payroll or sales
• New locations
• Purchased or leased equipment
• Work in new states
• Different subcontractors
• New contracts or customer requirements
• Changes in building or inventory values

Even a positive change—growth—can create an insurance gap when the policy still reflects last year’s operation.

A good rule of thumb: begin the renewal conversation about 90 days in advance. That creates time to clean up information, address loss-control issues, compare options, and avoid rushed decisions.

When is your commercial insurance renewal? If it is within the next 90 days, now is the right time to review what changed.

Address

620 24th Street Ste D
Ogden, UT
84401

Telephone

+18018211186

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