• Restaurant Risks: from food spoilage to liquor liability

    Running a restaurant in Alaska is a labor of love. Whether you are serving up fresh halibut in Anchorage or keeping folks warm with reindeer sausage in Fairbanks, you know the hustle is real. Between managing staff and keeping customers happy, you have a lot on your plate. But in the food service world, things…

  • Safe Travels: What You Need to Know About Acts of War and CFAR Insurance

    Planning a trip out of Alaska is always an adventure. Whether you are heading to the beaches of Mexico or exploring historic cities in Europe, you deserve a worry-free vacation. However, the world can be an unpredictable place. Recent global events have many of our clients asking about how their coverage handles big, international conflicts.…

  • Homeowners Guide: Wear and Tear vs. Sudden Loss (And Your Alaska Insurance Claim)

    Nothing ruins a regular Alaska morning like realizing you’ve got water where it definitely shouldn’t be. John (our owner) dealt with a perfect real-life example today. Someone reached out to John for help understanding a situation they were dealing with. They had a burst pipe in their crawlspace. The actual “sudden loss” part was the…

  • Key Person Insurance: Who’s the “Heart” of Your Business?

    Running a business in Alaska isn't for the faint of heart. You deal with unpredictable weather, unique logistics, and a tight-knit community where reputation is everything. But beyond the external challenges, there is a core internal reality: your business relies on people. Specifically, it probably relies on one or two "heart" employees. These are the…

  • Business Interruption: What Happens if Your Doors Have to Close?

    Running a business in Alaska is an adventure every single day. You deal with the elements, the logistics of the Last Frontier, and the constant hustle of keeping customers happy. But have you ever stopped to think about what would happen if you had to stop? Imagine a pipe bursts during a deep freeze and…

  • Travel Insurance: Why You Should Never Leave Home Without It (For Business or Fun!)

    Alaskans are a different breed when it comes to travel. We think nothing of hopping on a plane for ten hours just to get somewhere warm or to attend a major business conference. But as any seasoned traveler knows, the journey isn't always smooth sailing. Whether you are heading to the Lower 48 for work…

  • Keeping Up with Cyber: Botnets, Fast-Changing Threats, and What You Can Do

    The digital world moves faster than a Nenana ice break-up. Just when you think you have your business passwords and firewall figured out, something new pops up on the horizon. Cyber security is always changing. Hackers don’t take vacations, and they don’t stop innovating. That’s why it helps to understand today’s most common threats in…

  • Renting Out Your RV in Alaska? 3 Insurance Setups to Know (So You Don’t Get a Denied Claim)

    Your RV is sitting in the driveway. You're not using it for the next few weeks. A friend (or a stranger on the internet) wants to rent it for a trip across Alaska. Easy money, right? Maybe. But here's the thing most RV owners in Alaska don't think about until it's too late: how you…

  • Cyber Insurance: Why Your Alaska Business Needs a Digital Shield

    When you think about the "Last Frontier," you probably think about rugged mountains, deep snow, and the independent spirit that makes Alaska great. We’re used to protecting our businesses from the physical elements like frozen pipes or heavy snow loads. But there’s a new kind of frontier we’re all navigating now: the digital one. In…

  • Hired & Non-Owned Auto: When Employees Use Their Own Cars for Work Errands

    You send your office manager to grab coffee for a client meeting. Or your assistant runs to the post office to mail contracts. They hop in their Honda, not a company vehicle. Simple errand, right? Until they back into someone in the parking lot. Or miss a stop sign and cause a fender bender. Now…