Drivers, Your Auto Insurance Might Not Cover Your Medical Bills If you’re the driver in an accident, you could be liable for the injuries of everyone in your vehicle. Every state has its own laws, auto insurance limits and coverage options, so it’s important to understand your coverage before you get behind the Read More
Comparing an Occurrence-Based Policy vs. a Claims-Made Policy A liability insurance policy helps pay for expenses related to a loss suffered by another person or business that occurred on your property or because of your negligence, error or omission. It covers your legal defense, as well as any costs you must pay Read More
Spoilage and Contamination Insurance Food products are the first thing that comes to mind when we think of spoilage and contamination. However, there are many businesses that have significant inventories of perishable items, including grocery stores, cold storage warehouses, bakeries, food processing plants, and Read More
Your Sewer Line Broke. Now What? As any homeowner will attest, owning a home brings a great deal of joy, but also considerable financial responsibility. Repairs, not to mention updates, can be costly, even though they’re necessary and well worth it. Yet, what if something major happens, such as a sewer line break? Read More
Probably More Insurance Than You Have A home purchase comes with excitement and quite a bit of stress until the long-awaited moment arrives: the closing. With the keys to your new home in hand, you pass the threshold into your future filled with visions of friends, family, celebrations and many other memorable Read More
Why All Homeowners Should Consider Flood Coverage Most flood claims occur in homes located outside of designated mapped flood zones. Flash rains, ice damming, and faulty gutters or window wells can all cause floods. The out-of-pocket expense can be staggering – an average of $25,000, according to the National Read More
Cryptocurrency Is Here To Stay — Is Your Business Ready? If you buy, sell or trade goods and services, you’re likely to encounter cryptocurrencies. Colleges and universities, retailers, nonprofits and fast-food chains accept cryptocurrency. Employers are even offering their employees income and retirement plans Read More
Learn How Insurance Protects HOAs and Condo Associations HOAs and condominium associations can be sued for accidents on HOA property and allegations of director negligence or misconduct. In addition, HOAs must cover the cost of vandalism and property damage to common property. Luckily, insurance can cover many of Read More
Homeowners, Are Your Appliances and Systems Protected? Your home is your sanctuary, a place to recharge. But you need a multitude of appliances working hard to preserve that haven: When they break down, it’s chaos. And it’s not just the things in your home you need to worry about. If a severe storm knocks Read More