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Insurance Considerations for Contractors

Contractors have enough items to juggle without adding insurance into the mix; however, insurance-related issues are often unavoidable and, in some cases, misunderstood. Sure, it’s easy enough to determine how much coverage is needed for tools and equipment and it’s…

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Heed Your Mom’s Advice: Don’t Give Rides to Strangers (Unless You’re Properly Covered)

Most of us have seen the meme going around that refers to a couple of life lessons that have reversed course over the past couple of decades: don’t get in the car with strangers and don’t meet people from the…

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Medical Payments – The Forgotten Homeowner Insurance Coverage

There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…

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When Life Brings Storms, a Personal Umbrella Policy Protects You!

Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whether it is bodily injury or personal injury. We all know that lawsuits can stem…

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General Liability Covers More Than You Might Think

For those of us in the insurance industry, after a certain period of time, various lines of business, their abbreviations and the specific coverages provided by those lines become embedded into our brains. This occurs to the point where we…

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Strengthen Your Home Insurance Protection Against Unseen Dangers

Most – if not all – homeowner insurance policies in the marketplace contain limitations or exclusions in them for fungi, wet or dry rot, and bacteria. On the surface this might not seem like a big deal; however, should a…

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Personal Liability Coverage – Don’t Let It Be An Afterthought

When discussing and rating homeowner insurance policies, personal liability coverage is often an afterthought.  Insurance companies and insurance agents don’t always take the time to explain what it is and what it covers. Don’t fall into the trap of thinking…

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What’s the Buzz About Drones?

Did you notice the new craze buzzing around this holiday season? Drones, otherwise known as unmanned aerial systems (UASs), were one of the most popular gifts of 2015. A UAS is defined as an unpiloted aircraft that is flown using…

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Protection from Life’s Storms: The Personal Umbrella Policy

Most personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury you are responsible for, whether it is bodily injury or personal injury. Lawsuits can stem from auto accidents, boating accidents,…

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You Can’t Get Blood From a Stone…But You Can Be Sued

Liability coverage is probably one of the most important coverages within any home insurance policy, yet it’s overlooked or downplayed by most consumers. If you are sued because of injuries or property damage someone sustains due to your action or inaction,…

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