Hammer Out Insurance Before Renovating Your Home A home renovation can add value to your property and make it more livable. But before you hire a contractor, make sure you have the right insurance coverage in place. You may need to increase your homeowners insurance or purchase a builders risk policy. Whether Read More
Sharing the Risk: Is One Policy Enough? Sometimes it’s difficult to get enough insurance coverage from a single insurer for your company’s needs. Perhaps you have an outsized risk or your industry is facing higher claims payouts than the insurers can cover. You might want to have more than one insurer cover your Read More
Springtime and Your Health Spring is in the air! That means temperatures are rising, flowers are blooming and sap is flowing. The colors, fresh smells and sunshine have returned. Of course, it also means emerging wildlife, plants and pollens. While you may be willing to live with these irritants just to get Read More
Business Insurance Renewals Often Mean Changes to Terms Commercial insurance rates are increasing on nearly every line of coverage thanks to a rise in the frequency and severity of claims. And business owners are noticing significant premium hikes at policy renewal time. What might not be as apparent are: Changes Read More
What Can an Independent Insurance Agent Do for You? Looking to change your auto insurance, cover your home for damage or get liability insurance? An independent insurance agent can help you with all of these needs. What makes independent agents different from “captive” agents, who represent a single insurance Read More
Soggy Soil Can Lead to Uninsured Home Damage A dripping spigot, a soil depression against your house or a yard graded toward your foundation can lead to soggy soil. Having soggy soil next to or near your home can cause serious damage that isn’t insured. Depending on the foundation of your home, you have several Read More
Cyber Bytes: Outsourcing Your Cybersecurity and IT Services Cybersecurity and IT compliance are requirements in today’s business landscape. Criminals target businesses that don’t keep pace with cybersecurity and incident response planning, especially small to midsize companies. Depending on the scope of a data Read More
Business Interruption Can ImpactYour Supply Chain Bloomberg reports that “a massive hurricane, a historic drought, and 16 other major disasters across the US collectively racked up $165 billion in damages and killed at least 474 people in 2022,” according to a recent National Oceanic and Atmospheric Read More
Before You Give Up on an Insurance Claim It’s no fun being on the receiving end of an insurance claim denial. But you can do a few things to help prevent or appeal a claim denial. Provide documentation when filing your initial claim It’s your responsibility to prove your loss, not the insurance company’s. Read More
Conducting an Effective Incident Investigation Knowing how to conduct an effective incident investigation is an important part of your safety culture. Too often, investigations become fault-finding ventures that neither determine the root cause of the incident nor prevent similar incidents from happening again. Read More