We know we should have insurance. It’s a critical component of protecting you and your business from potentially costly claims. Sometimes though, it can be overwhelming to wade into all of the terms and conditions. Colleen Giles-Harris, Underwriter and Manager of the insurance program for Pet Sitters Associates, joins us again to clarify common misunderstandings of insurance coverage. She breaks down the do’s and don’ts of the claim process, so nothing gets held up. Insurance policies will also have exclusions, which you need to be aware of. Colleen explains what the most common ones are and how that plays into risk management as a business.