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
Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whether it is bodily injury or personal injury. We all know that lawsuits can stem…
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Category: Accident, Auto, Claims, Financial, Home, Liability, Personal, Risk Management, Umbrella
Tags: auto accident, auto and home, auto claim, auto insurance, auto policy, bodily injury, lawsuit, liability claims, liability coverage, liability insurance, liability limits, Personal, personal injury, personal insurance, personal liability coverage, Personal Umbrella, personal umbrella policy, umbrella policy
Over the past few weeks, I’ve had the same discussion with two sets of family and friends about the importance of umbrella policies and what they actually cover. Surprisingly, neither couple really understood the purpose of an umbrella policy nor…
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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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Category: Auto, Business, Commercial, Home, Liability, Personal, Umbrella
Tags: auto, commercial umbrella policy, home, liability, personal liability coverage, Personal Umbrella, personal umbrella policy, umbrella policy
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