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Tips for Adding a Dog to Your Household

They say that a dog is a man’s best friend. Dogs can be great companions and a perfect addition to any home. Many dogs have such “doganality” (a term I came up with to describe my own little Shichon Marley’s…

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Subrogation: The Right to Recovery

SUBROGATION – How’s that for a $.10 insurance word?  I suspect most of you do not know what subrogation is unless you’ve previously had a loss involving it. According to Black’s Law Dictionary (you know it’s serious when I quote…

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Protect Yourself from Party Rental Risks with a Personal Umbrella!

Spring and summer are popular seasons for family gatherings. From graduation parties to weddings to family reunions, it’s a common practice for the host family to rent a hall or a park pavilion. As a host family, you may not…

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Auto Insurance Myths Busted

When it comes to auto insurance, there are many myths floating around. Throughout the years, I have heard a lot of reasons why someone believes their insurance rates should be lower (or higher), and many of them are untrue. Regardless of…

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Managing Your Product Liability Exposure

If you are a manufacturer, retailer, or wholesaler, managing your product liability exposure is a critical part of your overall risk management plan.  Let’s take a look at some of the questions a liability underwriter will ask when deciding whether or not…

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Hunt Up the Right Liability Coverage for Hunting Season!

Ah, Fall. My favorite time of year! For many people, this season is marked by pumpkins and costumes, but for a select group of the population there’s another reason… hunting season begins in many states!

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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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Employment Practices Liability Insurance and the Small Business Owner

Employment Practices Liability Insurance.  If you own a business, you have likely heard of this coverage, or maybe you know it as EPLI. But what is it and why does your business need it? Over half of all Employment Practices…

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It Won’t Happen to Me…

It’s been a long, dreary and rainy workday.  On a whim, you decide to make an unspectacular day just a little bit brighter by taking the family out to dinner.  While driving to your family’s favorite restaurant, a dog runs…

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Raising the Bar: Best Practices for Bar Risk Management

It happens more than you’d like to think.  A person drinking in a bar leaves and causes an accident, injuring or killing another person.  The victim’s family then files a lawsuit against the bar.  Owning a bar can be fun and financially…

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