Archives
Back in 2017, I wrote about several misconceptions that are common to personal umbrella policies. While those four misconceptions still hold true, I thought I would turn this into a two-part series since there are other misconceptions that are quite…
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Category: Auto, Home, Personal, Umbrella
Tags: extra protection, Personal, personal insurance, Personal Umbrella, personal umbrella policy, protection, umbrella, umbrella policy
Many people in the insurance industry will agree that umbrellas are one of the most misunderstood lines of insurance coverage in existence. Of course, it’s easy to understand why when you look up the definition of “umbrella” and get explanations…
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Category: Business, Claims, Commercial, Liability
Tags: blanket additional insured, business owner, Commercial general liability, commercial umbrella policy, general liability, independent agent, liability, liability coverage, owning a business, professional liability, protection, umbrella, umbrella policy
If you’re like many of the people I’ve spoken with over the past couple of weeks, your life is beginning to return back to a revised sense normalcy, which is a good thing considering you’re probably starting to run short…
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Category: Auto, Business, Claims, Commercial, Home, Household Inventory, Liability, Personal, Prevention, Umbrella
Tags: Adequate coverage, adequate protection, agent, annual insurance review, business, business owner, independent agent, independent insurance agent, insurance program, insurance review, liability exposures, owning a business, Personal, personal assets, protection, umbrella, umbrella policy
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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Category: Accident, Auto, Liability, Personal
Tags: accident, auto insurance, auto liability, auto policy, coverage, personal auto policy, personal umbrella policy, umbrella
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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Category: Home, Liability, Personal, Umbrella
Tags: accidents, alcohol, coverage limits, driving while intoxicated, eggnog, food allergies, holiday, holiday hazard, holiday parties, homeowners policy, liability coverage, personal umbrella policy, prevent holiday party liabilities, Safety Tips, state liability laws, umbrella, winter weather
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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Category: Central, Financial, Liability, Personal, Umbrella
Tags: coverage gap, homeowner policy, liability, liability coverage, liability limit, party rental, party venue, personal liability coverage, personal liability limit, personal umbrella policy, rental, rental location, rental requirement, umbrella
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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Category: Central, Claims, Liability, Personal, Umbrella
Tags: baseball coach. volunteer coach, coaching certification program, personal liability coverage, personal umbrella policy, umbrella, umbrella policy, youth baseball, youth sports
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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Category: Accident, Auto, Claims, Liability, Personal, Risk Management, Umbrella
Tags: bodily injury, judgment, lawsuit, liability coverage, personal injury, Personal Umbrella, personal umbrella policy, settlement, umbrella
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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Category: Central, Home, Liability, Loss Control, Personal, Risk Management, Umbrella
Tags: hold harmless, hunt lease insurance program, hunters, hunting season, liability, third party hunters, umbrella
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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Category: Auto, Central, Home, Liability, Personal, Umbrella
Tags: bodily injury, homeonwers insurance, homesteaded, judgment, lawsuit, liability, liability coverage, liability limits, lien, negligence, personal umbrella policy, property damage, settlement, sued, umbrella