Archives
Boiler & Machinery is an antiquated term once used to describe a separate policy that offered coverage for causes of loss such as mechanical breakdown, electrical surges, explosion of steam boilers, steam pipes, etc. This separate policy was needed because…
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Category: Business, Central, Commercial, Loss Control
Tags: commercial, commercial building, commercial insurance, commercial property, coverage, electrical circuits, electrical hazards, equipment, equipment breakdown, equipment breakdown coverage, insurance carrier, loss prevention, mechanical breakdown, preventive measures, property coverage, property policy
Winter is here and so is the age-old question: should I clear the snow from my sidewalk? To be completely honest, I had to do a little research on this, as I have been told “yes” as many times as…
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Category: Claims, Home, Liability, Personal, Prevention, Risk Management, Weather
Tags: homeowners, homeowners insurance, homeowners policy, liability coverage, liability insurance, personal property, property, property coverage, rental properties, renter's policy, renters insurance, risk, risk management, snow, snow and ice, snow removal
My family recently added a new member in the form of a two-month-old kitten, and as part of the adoption process, we were provided with a month’s worth of free pet insurance from the shelter. While that was a nice…
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Category: Home, Liability, Personal
Tags: animals, dangerous dog breed, dog bite, dog breed, dog owners, home, home insurance, homeowners, homeowners insurance, homeowners policy, liability, liability claims, liability coverage, liability insurance, Personal, personal insurance, personal liability coverage, pet, property coverage
I am just finishing up a week-long vacation in Florida with my wife and several other couples, and as it happens every time I’m out during an extended period with others, the topic of insurance eventually came up. “What happens…
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Category: Financial, Home, Personal, Weather
Tags: coverage, Evacuation plan, government, homeowners, homeowners insurance, homeowners policy, hurricane, Personal, personal insurance, property coverage, property damage, property policy
The thought of doing outdoor work in the cold weather isn’t overly appealing. With the fall season here and some cooler weather in store, it’s time to start thinking about that to-do list to make sure you don’t have any…
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Category: Home, Personal, Prevention, Weather
Tags: chimney, gutters, home insurance, home maintenance, Personal, personal property coverage, property, property coverage, roof, roof inspection, winter, winter preparation, winter weather
So my commercial building has become vacant…what’s the big deal? When a building is vacant, a small problem can quickly become a big problem. For example, a property in my neighborhood became vacant last fall. The bank that owned the…
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Category: Commercial, Financial, Prevention, Saving Money
Tags: cost of repairs, coverage, flood, flooding, frozen pipes, property, property coverage, property damage, property policy, security, security system
I’ll be the first to admit that when I rented an apartment during my senior year of college, I didn’t have renters insurance. Looking back, I’m lucky I never needed it. At the time, I told myself that the likelihood…
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There’s one thing I always say to my younger siblings when I know they’re hanging out with family or friends on a holiday weekend. “Be smart! Be safe! Have fun!”
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Category: Auto, Home, Liability, Personal, Prevention, Umbrella, Weather
Tags: boat safety, driving safety, Grill safety, Labor Day, Labor Day weekend, liability, liability insurance, Personal, personal coverage, personal insurance, property coverage, Safety Tips, summer safety, travel safety
I recently read an article that reiterated how important it is for individuals who operate home-based businesses to be properly protected. In short, the article detailed how a participant in a Zumba class (which happened to take place at a…
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Fall. Although the shorter days and cooler temperatures mark the beginning of many exciting seasons – football, hunting, festivals, holidays – unless you are blessed to be living in the South, it also marks the end of one of the…
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Category: Business, Central, Commercial, Liability, Loss Control, Risk Management
Tags: business income coverage, country club, errant ball, fairway, golf, golf cart, golf course, golf course greens, golf course grounds, golfing, municipal course, property coverage, putting green, sand traps