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…
If you are a parent with teen drivers in your household, you are probably constantly worried about them on the roads and are concerned about them safely getting from point A to point B. This worry is typically escalated during…
There are a few homeowner insurance coverages that almost everybody has but very few think about. Personal liability is one of those coverages and even lower on the totem pole is medical payments coverage. However, that doesn’t mean it isn’t…
The drains and toilets in your house start to back up. Nothing seems to be draining so you call the plumber. When the plumber arrives, he inserts a snake with a camera on the end, into your main sewer line…
“I don’t need a Builder’s Risk policy,” said a contractor. “The money I save I’ll just set aside for any losses.” Little did he know how inexpensive a Builder’s Risk policy can be and how expensive a los…
If you’re like many business owners, once you get past the initial sigh and/or eye roll that accompanies the word “insurance,” you immediately start to think of property coverage as well as liability insurance. However, you probably don’t give much……
There is constant debate in the insurance industry on how best to insure condos. Here are 3 important things to consider when insuring your condo. 1. What am I responsible for and how much does that cost? To determine what you’re…
Have you noticed that many websites and apps are starting to require more than just a password to login to your account? Do you get annoyed and frustrated and wish you didn’t have to do it? The fact is, more and…
Whether it’s new construction or a renovation, a residential property or commercial, if you’re building, you need to consider purchasing a Builder’s Risk policy. Some commercial property policies include coverage for this type of exposure, but there ar…
Starting a home based business might sound appealing (working in your PJ’s, setting your own hours, no boss!!). However, you need to make sure that your business is properly insured. Here are some questions to ask yourself about your endeavor. Wi…