KRM Insurance Specialists

10/15/2026

When a covered loss hits your business, knowing how your insurance policy will reimburse you is crucial. The difference between having actual cash value (ACV) and replacement cost value (RCV) coverage is significant and can affect how your business may respond after a loss.

Swipe through for a breakdown of both and what each one means for your bottom line.

If you want help determining whether you have ACV or RCV or would like to talk through how payout structures can impact your coverage, please don’t hesitate to reach out to our team. We are here to help.

10/08/2026

Cyber threats are not just a concern for large corporations. In fact, small- and mid-sized businesses often face increased risk. This Cybersecurity Awareness Month, we are sharing a reminder of a few practical ways to strengthen your cyber defenses.

Of course, even with strong prevention measures in place, a cyber incident can still happen, and the cost of recovery can add up quickly. Having the right cyber liability coverage can help your business respond more effectively.

Have questions about cyber insurance or want to review your current coverage? Reach out to our team today.

10/06/2026

As the days get shorter, deer become much more active and are more likely to cross roadways — especially around dawn and dusk. For businesses with employees on the road, this seasonal increase can pose real safety risks and lead to vehicle downtime.

With that in mind, our team wants to share a few reminders to help keep your drivers, passengers, and business vehicles protected this fall.

So, if you're not sure what your current commercial auto policy includes or would like to review your business vehicle coverage this fall, feel free to reach out. We'd be happy to answer your questions and help you understand your options.

09/30/2026

Builder's risk insurance is one of the most important coverages to understand before a construction project begins. Whether the project involves ground-up construction, a major renovation, remodeling work, or an installation, the property is exposed to risk.

Swipe through for an overview of what builder’s risk insurance is, what it may cover, and why it matters.

Builder’s risk insurance is not one-size-fits-all. The right policy depends on the project type, total completed value, timeline, materials, parties involved, and coverage needs. If you have questions about this coverage or want to talk through coverage for another upcoming project, contact our office today. We can help you review the details and explore coverage options that fit the project.

09/22/2026

With September 23rd marking 100 days left in the year, now is a good time to check in on your construction insurance coverage before the year closes out. Swipe through for key steps to take before year-end to ensure your business is fully protected.

Do you have questions about your coverage? Give us a call, and let's schedule a time to review your coverage together.

09/08/2026

Ransomware attacks are on the rise, and companies of all sizes and sectors are feeling the impact. As these attacks continue to pose a serious threat to businesses, focusing on proactive, preventive measures can become more crucial.

Swipe through for details on the rise of ransomware attacks and actionable steps you and your team can take today.

While establishing key safety strategies like these can play a meaningful role in your recovery strategy, they cannot prevent attacks outright. That’s where commercial cyber insurance can step in. If your business is the victim of a ransomware attack, commercial cyber insurance can help your company navigate the aftermath with confidence.

If you'd like to talk through your current coverage or explore your options, our team would be happy to connect. Give me a call or reply to this email, and we can get started.

09/07/2026

Labor Day is all about celebrating the workforce, and the best way to honor hard work is to take a real break from it. So to celebrate, our team is fully committing to the cause by penciling some cat naps into our schedules this weekend.

A quick heads-up: The office is closed on Monday, September 7th. We will be back on Tuesday, September 8th — recharged, refreshed, and ready to get to work.

We hope you have a long weekend full of good food, good company, and zero emails!

09/03/2026

09/01/2026

With Fall Prevention Awareness Month underway, this is a good opportunity for businesses to revisit workplace safety practices and identify potential slip, trip, and fall hazards.

Encouragingly, many of these accidents can be prevented through proactive planning, regular maintenance, and awareness. Swipe through to learn more.

As always, if there is ever anything we can help with, do not hesitate to reach out. We are here for you.

04/28/2026

As a business owner, you might be planning how you’ll spring-clean your team's workspace. But have you considered spring-cleaning your network and devices as well?

Cyber incidents are becoming more common and more costly, and falling behind on key cybersecurity best practices can expose your business to attacks and breaches. Swipe for a few key moves that can help protect you and your team.

These tips can’t prevent cyberattacks or data breaches outright, so you must have cyber insurance to protect your business. Call our office, and we’ll point you to the right coverage.