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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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Common Misconceptions about the Personal Umbrella Policy

One thing I’ve learned over the years is there are several common misconceptions regarding personal umbrella insurance policies. In some cases, people who have one think it provides a blanket limit of protection but are often unclear as to how…

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What You Need to Know About Your Auto Liability Insurance

If you drive a car, you likely have auto insurance. Your insurance policy provides coverage against the many exposures of owning a vehicle. One of the most important perils it covers is your liability associated with operating a vehicle. If…

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Man’s Best Friend or a Liability?

I am an animal lover, but dogs are my personal favorite. They are great company and it’s in their nature to seek your approval and love. Dogs are said to be “man’s best friend”, but have you ever thought about…

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‘Tis the Season to Prevent Holiday Party Liabilities!

Now that Thanksgiving has passed and fall is coming to an end, the fun winter holiday parties are upon us! If you plan on being a holiday host, make sure your guests have a good time and stay safe, both at…

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Back to School Checklist Should Include an Insurance Check Up!

Over the next couple weeks, we’ll see the return of cooler temperatures, shorter days and football season – Go Bucks!  It’s also the time of year students across the country return to school. And for college students, back to school means more…

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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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Protection for Youth Sports Coaches

Autumn is here and baseball season is heading toward its conclusion. I grew up playing baseball and still love to follow the game at many levels. My dad was my baseball coach in my younger years, both in the backyard and formally…

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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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