Some Thoughts Concerning Commercial Insurance During the past decade or so, we have come across quite an assortment of unique and interesting companies, ranging from contractors, business consultants, to product manufacturers who have come up with some really unique products …

HAPPY NEW YEAR 2017!! PJO Insurance Brokerage would like to wish all of you a “Happy New Year” and may 2017 bring you much success in your business endeavors. Now I am sure no matter which side of the aisle …

A Few Thoughts on Worker’s Comp When sitting down with clients and potential clients, an area of insurance that always sparks quite a conversation after General Liability coverage is a discussion about their Worker’s Compensation Insurance needs. Regardless of what …

How Product Liability Insurance Can Help Your Company First, think back over the past ten years, and look around your home or office and see how many new products you currently have that, in all probability, weren’t there in the …

Having Product Liability Insurance Is A Must!! It seems like every day there hundreds and hundreds of new products being launched around the country with no end in sight. Quite a few of these new and exciting products come from …

The Case for EPLI Coverage Over the past twelve to eighteen months, there has been an increase in the number of new people entering the workforce as companies have begun hiring again due to the economy getting stronger. One thing …

It’s Time to Add Cyber Liability Coverage to Your Program Over the past couple of years, there has been an enormous amount of cyber-attacks launched against companies throughout this country, small, medium and large companies, investments firms, government agencies, political …

“When Was the Last Time You Reviewed Your Insurance?” For any Arizona company, reviewing your entire operation is an on-going process and should play a major part in your overall insurance plan. From such activities as scheduling, staffing, venders, subs, …

Is A Start-Up In Your Future? Is A Start-Up In Your Future? If you are looking to start up your business this year, contact PJO today to discuss your insurance needs! Phoenix, Arizona Each year in Arizona, thousands of entrepreneurs …

Checking In On Your Phoenix Business Insurance Needs Recently, I sat down with a potential new client to discuss their insurance options for their Phoenix business. Before I started looking at exactly what their Phoenix business actually did and what …

Understanding Professional Liability Over the past ten plus years, more and more companies across the country have forsaken hiring new employees and have used more independent contractors. Now, we all know why corporations are using independent contractors instead of hiring …

The Role of the Sub-Contractor in Your Arizona Business The Role of the Sub-Contractor in Your Arizona Business If you are a General Contractor working in Arizona, chances are your contracting company relies very heavily on the use of sub-contractors. …

Are Your Current Phoenix, AZ Insurance Policies Protecting You? Are Your Current Phoenix, AZ Insurance Policies Protecting You? When did you last review your insurance coverage? Ensure your business’s policies are up to date. Phoenix, Arizona In any business, internal …

A Few Important Notes On Insurance A Few Important Notes on Arizona Insurance If you don’t get insurance when you start your business, you can have difficulties getting coverage later. Phoenix, Arizona In the last ten to fifteen years of …

Why Product Liability Insurance Is So Important in Phoenix, AZ Why Product Liability Insurance Is So Important in Phoenix, AZ by Patrick O’Neill – Product liability is important for anyone who plans to develop and market a product, at any …

The Role of the Sub-Contractor in Your Scottsdale, AZ Business When we sit down with potential clients such as General Contractors, one of the first things we hear from them is “I sub everything out and, therefore, my insurance should …

What Do I Need to Know About Arizona Business Insurance? This is a very interesting question because the answer is as much as you possibly can. Each business is unique and comes with its own set of must-have coverages. Since …

What is Arizona General Liability Insurance? General Liability is an insurance policy that is designed to protect your business from potential claims filed against your company related to the following: advertising injury, such as slander and libel, property damage, personal …

Another Day, Another Data Breach Happens Whether you read the newspaper in the morning or go online on your tablet/Smartphone for your daily news fix, chances are you will be reading about another company reporting that their data was hacked, …

Can Business Insurance be Obtained on a Vacant Commercial Business? Question: Can business insurance be obtained on a vacant commercial business? Will a vacant property that is being purchased be considered “vacant” during the renovation? I need to purchase a insurance policy …

Commercial Auto Coverage for any business is a must. In fact, right after Phoenix General Liability Insurance, it is the second policy you should have to start your Phoenix business venture. If you or your employees will use titled vehicles …

Entrepreneurial Spirit – Alive & Doing Well in Arizona With the economy recovering to levels we haven’t seen in a few years, more and more people are taking the plunge and starting their own Arizona business. In fact, the rate …

Is Liability Insurance For A 501c3 Required? A nonprofit organization should obtain general liability insurance in Glendale to protect the organization, its assets, managers, staff, and should include coverage for volunteers.  The general liability policy provides protection for the organization …

Is Technology Professional Liability A Critical Purchase? Question: How should we think about insurance for technology professional liability? Is that a critical purchase now that my company is incorporated, or is it unnecessary? Answer: Professional liability insurance for any technology …