Friday, March 3, 2023Flood insurance covers damage to your home and the contents within your home due to the infiltration of water from an outside source. The National Flood Insurance Program (NFIP) definition of a flood is quite specific. A flood may be caused by rising tides, overflowing river banks or any sudden surge of water. READ MORE >>
Wednesday, February 1, 2023Traditionally, life insurance has always been defined as a tool to provide a lump sum amount to the heirs and relatives of a deceased person to cover the financial loss caused by death. However, life insurance has taken a broader meaning over the years and now includes a variety of insurance, sav... READ MORE >>
Monday, January 2, 2023You’ve probably had agents suggest umbrella insurance to you, but many people are unfamiliar with what it is. Umbrella insurance is simply an extra layer of liability coverage on top of your existing policies, such as home, auto and boat insurance. READ MORE >>
Thursday, December 1, 2022Every business needs commercial general liability (CGL) insurance. It’s there to protect you when your business might make mistakes that inadvertently cause harm to a third party (e.g., a customer, vendor or member of the public). Still, many business owners don’t fully understand the ins and outs of a CGL policy. READ MORE >>
Tuesday, November 1, 2022Commercial auto insurance is crucial for businesses that have or use vehicles for work purposes. If you have trucks or company vehicles, you will need commercial auto insurance to cover potential accidents. The coverage available under your commercial auto insurance policy is similar to that which you find on your personal auto insurance policy. READ MORE >>
Wednesday, October 5, 2022When you have a small business, you want to insure it in the most-cohesive and applicable ways. A business owners policy — also called a BOP — is one of the main ways that small operations get coverage. These policies can pay up to certain limits for several types of losses that might occur within the business. READ MORE >>
Friday, September 2, 2022For construction contractors, there is nothing more important than safeguarding your works in progress. After all, if something were to damage the property and interrupt your progress, then you might face a huge financial setback. At this point, it’s critical that you have builder’s risk insurance ready and waiting. READ MORE >>
Thursday, August 4, 2022In providing services, your business might give customers access to certain machinery. For example, a locksmith might allow patrons to cut their own keys. Contractors might let patrons cut their own timber. Grocers let visitors weight produce. Everywhere, self-service is becoming more and more common. READ MORE >>
Wednesday, July 6, 2022Restaurants face a lot of risks when it comes to liability. Serving food and alcohol presents danger in many ways, from food poisoning to drunk drivers causing an accident. That’s why it’s so important for restaurants to have the right insurance. But do bartenders also need insurance? READ MORE >>
Wednesday, June 1, 2022No business is without its risks. Responsible owners must create safe environments for employees and visitors. A safe business environment reduces the risks an operation poses to its insurers. By reducing risks, companies can cut the chances that they will suffer from financial loss following a liability claim. READ MORE >>
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