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A business concept whereby the law of large numbers is applied. A group of individuals or businesses agree to offset the loss of any member if the loss is associated with an act of God or due to an accident.

Errors and Omissions Insurance


Oops!  We’ve all done it at some point in our lives.  We make a mistake while serving a client.  Mine cost me a little over $2,000 in penalties to the Internal Revenue Service for failure to file an extension on a partnership tax return.  Not [...]

Insurance – Introduction to Business Insurance


Insurance is a risk reduction tool used in our private and business lives.  It is founded on the basic premise that a large group of individuals will cover a catastrophic event for one of the members sometime in the future.  In general, the [...]