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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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Category: Business, Claims, Commercial, Liability
Tags: bodily injury, business, commercial, commercial umbrella policy, commercial vehicles, contractors, Employment Practices Liability Insurance, equipment breakdown coverage, general liability, liability insurance, professional liability, property damage, subcontractors
According to the Insurance Information Institute (III), wind/hail damage is the highest property claim type in terms of loss frequency. Water damage/freezing comes in second on this not so great list. With this in mind, I would like to give…
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Category: Claims, Home, Personal
Tags: back up power, claims, cleaning gutters, freezing, freezing pipes, gutters, hail damage, handrails, heating system, insulation, Insurance Information Institute, loss frequency, personal property, personal property coverage, preparedness, property damage, property owner, sealing doors, sealing windows, steps, subrogation, tree maintenance, trees, water damage, water pipe, wind damage, window seals, winter preparation, winter weather
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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Category: Accident, Auto, Business, Central, Liability, Personal, Technology
Tags: auto accident, auto claim, auto insurance, auto policy, bodily injury, car accident, car insurance, carpool, coverage, driver, insurance, liability claims, liability coverage, liability insurance, Lyft, passengers, Personal, personal auto insurance, personal auto policy, personal policy, policy, professional liability, property damage, ride-sharing, sharing economy, transportation network, transportation network platform, travel, Uber
If the wind was strong enough to pick up Dorothy and Toto and pull her entire house into a tornado and send them to the magical Land of Oz, there is no telling what it could do to your property….
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Category: Claims, Home, Household Inventory, Liability, Personal, Prevention, Risk Management, Weather
Tags: hail, home, home maintenance, home repair, homeowners policy, property damage, rain, Safety Tips, spring, storm, storm damage, storms, tornadoes, tree, tree damage, tree damage property damage, trees, wind, wind claims, windstorms
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
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
Hurricane season is here. The season runs from June 1st through November 31st. Meteorologists love to make predictions about how many hurricanes will make landfall and their potential severity. Unless you live in a high-risk area that could be directly impacted, you…
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Category: Claims, Home, Personal, Prevention, Risk Management, Weather
Tags: catastrophic weather, disaster plan, emergency kit, emergency supplies, flood, flood insurance, flood zone, hurricane, hurricane season, property damage, protect your home
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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Category: Business, Claims, Commercial, Liability
Tags: bodily injury, Commercial general liability, general liability, insurance, liability claims, liability coverage, liability insurance, personal injury, property damage, slip and fall, slip and fall accidents
The storm has passed and the immediate danger is over. Now it’s time to survey the damage and decide on the best course of action. Here are some steps to mitigate further damage and get started with repairs.
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Category: Claims, Home, Personal, Prevention, Weather
Tags: bad weather, contractors, home damage, home repair, house damage, property damage, roof damage, storm, storm damage, storm disaster
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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