Morgan McMillan is a commercial insurance and risk management expert and Vice President at McGriff, Seibels & Williams in Dallas, Texas. He works with clients nationwide and was a recipient of the Global Spotlight distinction by Risk Finance Quarterly.

Many restaurant owners are finding current market conditions to be favorable. For restaurant owners who approach this soft commercial insurance market correctly, some of the largest premium decreases in years are available.

The oversupply of capital in the marketplace favors multifamily owners, if they are armed with the knowledge to take advantage. What might your commercial insurance agent or broker not be telling you that he or she should be to avoid common errors?

Realize that there are always significant savings available in every aspect of every restaurant concept in the country. Risk management and insurance just may not be the first place most people look, but perhaps it should be.

Morgan Ryan provides insight and advice to multi-family apartment owners for how they can avoid the insurance whirpool and keep premiums down by negotiating, consolidating, and making wise choices.