Insurance Blog | Avanti Group Iowa

5700 Merle Hay Road, Johnston, IA 50131
(515) 697-3864
rich@avantigrp.org

General Liability

How to Demand and Verify Certificates of Insurance from Subcontractors

Three interlocking navy steel chain links with the middle link highlighted in warm gold, illustrating the three endorsements that have to be present on a subcontractor's certificate of insurance: additional insured, waiver of subrogation, and primary and non-contributory.

General Liability

What General Liability Insurance Actually Covers and What It Doesn’t

A perspective view of three navy archways receding into warm gold light, illustrating the three coverage parts of a commercial general liability insurance policy.

Commercial Foundations

Policy Language That Quietly Limits Your Coverage: Sublimits, Exclusions, and Conditions

Cross-section of a large concrete spillway dam at dusk with three sluice gates of different sizes set at different heights; only a thin warm-gold ribbon of water escapes through the lowest gate, representing the three places a commercial insurance policy quietly limits coverage.

Commercial Foundations

Captive vs Guaranteed Cost vs Large Deductible: Risk Financing Compared

Three architectural columns on a darkened ledger surface representing a risk financing comparison of guaranteed cost insurance, a large deductible plan, and a captive program for commercial businesses.

Commercial Foundations

Why the Cheapest Commercial Quote Is Usually the Most Expensive Policy

Commercial scaffolding against an Iowa twilight sky with a single missing structural brace, visualizing cheap commercial insurance risk and the gaps in commercial coverage created by under-built policies.

Commercial Foundations

Additional Insured Status on Commercial Liability Policies: What It Actually Buys You (and What It Doesn’t)

A signed commercial contract on a dark walnut desk with three brass paperclips arranged across the top, representing additional insured status, primary and noncontributory wording, and waiver of subrogation as the three contract requirements that actually transfer commercial liability risk.

Commercial Foundations

Coinsurance Penalties on Commercial Property: The Clause That Quietly Cuts Claim Checks

Editorial photograph of a partially trimmed claim check on a navy desk with warm gold lighting, illustrating the coinsurance penalty applied to commercial property insurance partial losses.

Commercial Foundations

How to Read a Commercial Insurance Declarations Page Without Missing the Sublimits

Open commercial insurance policy document on a navy leather desk, with one section softly highlighted — visualizing the line-by-line read every commercial declarations page deserves before it binds.

Commercial Foundations

Loss Runs Explained: What Underwriters See That Owners Often Don’t

Stack of organized commercial insurance claim file folders on an underwriter's desk, illustrating the five-year loss runs insurance history reviewed before every renewal.

Insurance Tips

Total Cost of Risk: The Number That Should Replace Your Premium

Iceberg above and below water — the iceberg metaphor for Total Cost of Risk in commercial insurance: premium is the visible tip while retained losses, risk control, and administration are the larger mass underwater.