CPCU · Owner
Michelle Rupp
Owner of NRG and a Chartered Property Casualty Underwriter (CPCU). Leads the brokerage's independent, advice-first approach to coverage.
Michelle Rupp is part of NRG Insurance, an independent brokerage based in Seattle and licensed in Washington, Idaho, Oregon and Arizona. The guides below are general information, not advice for your situation; policy wording decides coverage.
Articles by Michelle Rupp
- Why Your Homeowner's Policy May Not Cover the Full Rebuild · Personal
- Umbrella Insurance, Demystified: What It Adds and When · Personal
- What Is Business Insurance? A Plain-English Guide for Business Owners · Business Basics
- How Much Business Insurance Do I Need? · Business Basics
- Types of Business Insurance Explained · Business Basics
- When Does a Business Need Insurance? · Business Basics
- How to Choose the Right Business Insurance Policy · Business Basics
- Business Insurance Terms Explained · Business Basics
- General Liability vs Professional Liability: The Key Difference · General Liability
- Do Sole Proprietors Need General Liability Insurance? · General Liability
- General Liability Insurance Cost: Benchmarks and Factors · General Liability
- Certificate of Insurance: What a COI Does—and Does Not—Prove · General Liability
- How to Request a Certificate of Insurance Without Avoidable Delays · General Liability
- Who Needs Workers' Compensation Coverage? · Workers' Comp
- Common Workers' Compensation Myths (Debunked) · Workers' Comp
- Workers' Compensation for Small Businesses · Workers' Comp
- What Injuries Are Covered by Workers' Compensation? · Workers' Comp
- What Is Commercial Auto Insurance? · Commercial Auto
- Personal Auto vs Commercial Auto Insurance: The Real Difference · Commercial Auto
- Commercial Auto Insurance Cost Guide · Commercial Auto
- Common Commercial Auto Claims (and What They Reveal) · Commercial Auto
- Hired and Non-Owned Auto Insurance: Business Driving Without Ownership · Commercial Auto
- Commercial Vehicle Insurance Requirements: What to Check · Commercial Auto
- E&O vs. General Liability: The Differences That Matter · Professional Liability
- Who Needs Professional Liability Coverage? · Professional Liability
- How Much E&O Insurance Do You Need? · Professional Liability
- Industries That Need E&O Coverage · Professional Liability
- Understanding Professional Risk · Professional Liability
- Does Your Small Business Need Cyber Insurance? · Cyber
- How Much Does Cyber Insurance Cost? · Cyber
- Data Breach Response Guide for Business Owners · Cyber
- Ransomware Risks for Small Businesses · Cyber
- What Is Commercial Property Insurance? · Property
- What Does Commercial Property Insurance Cover? · Property
- Common Commercial Property Claims (and the Coverage Lessons) · Property
- Business Property Insurance Cost Guide · Property
- Protecting Business Equipment with the Right Insurance · Property
- Business Interruption Insurance: Triggers, Limits and Recovery · Property
- Restaurant Insurance: Coverage Questions Beyond the Basic Policy · By Industry
- Retail Store Insurance: Inventory, Liability and Coverage Gaps · By Industry
- Insurance for Accountants and Bookkeepers · By Industry
- Insurance for Manufacturers: A Coverage Guide · By Industry
- Insurance for Trucking Companies: A Coverage Guide · By Industry
- Why Insurance Quotes Vary So Much · Guides
- First-Time Business Owner Insurance Guide · Guides
- What Insurance Do Startups Need? · Guides
- 8 Signs Your Business Is Underinsured · Guides
- Best Business Insurance for Small Businesses (How to Choose) · Buying Guide
- Cheapest Business Insurance Options (and the Real Trade-offs) · Buying Guide
- What Business Insurance Is Required by Law? · Buying Guide
- When Should You Increase Your Coverage Limits? · Buying Guide
- What Does an Insurance Broker Do for a Business? · Buying Guide
- How to Get the Right Insurance Coverage for Your Business · Buying Guide
- E&O Retroactive Dates, Prior Acts and Tail Coverage: What Changes When You Switch? · Professional Liability
- Washington Staffing Agencies: Workers’ Compensation Questions Before a New Assignment · Workers' Comp
- Washington Stop-Gap Insurance: The Question Beyond Your L&I Account · Workers' Comp
- Commercial Lease Insurance Requirements: What to Check Before You Sign · General Liability
- Tech E&O vs. Cyber Insurance: What If the Software Fails Without a Breach? · Professional Liability
- Volunteer Accident Insurance vs. Liability: Two Different Nonprofit Questions · By Industry
- Rehab Center Abuse Coverage: Review the Wording, Not Just the General Liability Limit · By Industry
- Can You Get Business Insurance Before Opening? · Business Basics
- Employees Working in Another State: Workers' Comp and Coverage · Workers' Comp
- Cyber Incident: The First 48 Hours and Your Insurer · Cyber
- What to Do When L&I Reclassifies Your Business · Workers' Comp
Reviewed by Michelle Rupp
- What a Restaurant BOP Actually Covers, and the Four Gaps It Leaves · By Industry
- Insurance for Creative Businesses: What Studios and Freelancers Need · By Industry
- How Much Does Business Insurance Cost? A Practical Budget Guide · Business Basics
- Small Business Insurance: A Complete Guide · Business Basics
- Common Business Insurance Mistakes (and How to Avoid Them) · Business Basics
- What Happens If Your Business Is Uninsured? · Business Basics
- What Does General Liability Insurance Cover? · General Liability
- What Doesn't General Liability Insurance Cover? · General Liability
- How Much General Liability Coverage Is Enough? · General Liability
- Common General Liability Claims (and What They Teach You) · General Liability
- Why Clients Ask for Proof of Insurance · General Liability
- What Is Workers' Compensation Insurance? · Workers' Comp
- Workers’ Compensation Requirements: Washington and Multistate Employers · Workers' Comp
- How Workers' Compensation Claims Work · Workers' Comp
- Independent Contractor or Employee? Workers’ Comp Questions to Check · Workers' Comp
- How Workers' Compensation Premiums Are Calculated · Workers' Comp
- How to Reduce Workers' Compensation Costs · Workers' Comp
- Who Needs Commercial Auto Coverage? · Commercial Auto
- What Does Commercial Auto Insurance Cover? · Commercial Auto
- Fleet Insurance Explained · Commercial Auto
- How to Lower Commercial Auto Insurance Costs · Commercial Auto
- What Is Professional Liability Insurance? · Professional Liability
- Errors and Omissions Insurance: Services, Claims and Continuity · Professional Liability
- Common Professional Liability Claims (E&O Examples) · Professional Liability
- Professional Liability Insurance Cost Guide · Professional Liability
- Mistakes That Lead to E&O Claims (and How to Avoid Them) · Professional Liability
- What Is Cyber Liability Insurance? · Cyber
- Common Cyber Threats Facing Businesses · Cyber
- What Does Cyber Insurance Cover? · Cyber
- Cyber Insurance vs General Liability: What's the Difference? · Cyber
- Cybersecurity Best Practices for Business Owners · Cyber
- How Cyber Insurance Claims Work: Response, Notice and Records · Cyber
- Building Coverage vs Contents Coverage Explained · Property
- Natural Disaster Insurance Explained for Businesses · Property
- Fire Damage Insurance Claims: A Business Owner's Guide · Property
- Understanding Property Insurance Limits (and Coinsurance) · Property
- Insurance for Contractors: What Coverage You Actually Need · By Industry
- Insurance for Construction Companies: A Coverage Guide · By Industry
- Insurance for Consultants: What You Actually Need · By Industry
- Insurance for Real Estate Agents and Brokers · By Industry
- Insurance for Technology Companies: A Coverage Guide · By Industry
- How to Compare Business Insurance Quotes: A Coverage Checklist · Guides
- How to Save Money on Business Insurance (Without Losing Coverage) · Guides
- Business Insurance Checklist (What to Review and When) · Guides
- When to Review Business Insurance: Renewal and Change Checklist · Guides
- Insurance Questions Every Business Owner Should Ask · Guides
- How to Prepare for an Insurance Audit · Guides
- How to Get Business Insurance Today · Buying Guide
- Business Insurance Requirements by Industry · Buying Guide
- How to Switch Business Insurance Without Overlooking Coverage · Buying Guide
- Insurance Broker vs. Buying Direct: How to Choose · Buying Guide
- Seasonal Inventory Insurance: Review Your Peak Stock, Not Just the Average · By Industry
- Tattoo Guest Artist Insurance: What the Studio and Artist Should Check · By Industry
- When the Walk-In Cooler Fails: Equipment, Spoilage and Lost Income · By Industry
- Tattoo Communicable Disease Coverage: Questions Beyond the Liability Limit · By Industry
- Tattoo Equipment Insurance: Studio Property or the Artist’s Own Gear? · By Industry
- Volunteers Using Their Own Cars: A Nonprofit Insurance Review · By Industry
- Hiring a 1099 Contractor in Washington: What L&I Expects · Workers' Comp
- Who Pays for Damage to a Rented Business Van? · Commercial Auto
- Washington L&I Workers' Comp Rates for 2027: What Changes · Workers' Comp
- How to Read Your L&I Rate Notice · Workers' Comp
Questions about your own coverage? Request a quote or reach the team through the Service Center.