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Claims

Cracking the Code on Commercial Umbrellas

By blanket additional insured, Business, business owner, Claims, Commercial, Commercial general liability, commercial umbrella policy, general liability, independent agent, Insurance, Liability, liability coverage, owning a business, professional liability, protection, Umbrella

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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Now Might Be the Perfect Time for an Account Review

By Adequate coverage, adequate protection, agent, annual insurance review, Auto, Business, business owner, Claims, Commercial, Home, Household Inventory, independent agent, independent insurance agent, Insurance, insurance program, insurance review, Liability, liability exposures, owning a business, Personal, personal assets, Prevention, protection, Umbrella

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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Utility Line Protection – A Hidden (or Buried) Treasure?

By Claims, corrosion, coverage, decay, deterioration, drainage system, endorsement, Home, homeowners insurance, homeowners policy, Insurance, perils, Personal, rust, sewer lines, underground piping, utility line, wear and tear

Our office had a couple of interesting conversations regarding digging up yards recently. In one instance, the husband of one of our account managers started to dig up someone’s yard to help them replace sewer lines. To his surprise, when…

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Medical Payments – The Forgotten Homeowner Insurance Coverage

By bodily injury, Central, Claims, comprehensive protection, coverage, coverage limits, exclusion, homeowners insurance, homeowners policy, Insurance, Liability, medical payments, Personal, personal liability coverage, protection, slip and fall, slip and fall accidents

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…

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Winter Driving and Auto Claims Tips

By Accident, accident claims, Auto, auto accident, auto claim, auto insurance claim, automobile accident, car accident, Claims, claims process, driving safety, driving safety tips, Insurance, Personal, Prevention, road conditions, safe driving, Weather, Winter, winter weather

Winter storms often bring a rash of auto claims. Winter driving can be dangerous, so it is essential to stay alert and be smart. Let’s talk about winter driving safety tips, and steps to simplify the claims process should you be…

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Collision or Comprehensive: Which Coverage Applies?

By Accident, Auto, auto accident, auto insurance, auto policy, car accident, car insurance, Claims, collision, collision coverage, comprehensive coverage, comprehensive protection, deer, driving safety, ice, Insurance, Liability, other than collision, Personal, personal auto coverage, personal auto policy, road conditions, road safety, snow and ice, Weather

With all the deer roaming around this time of year, it can be dangerous for people traveling on the road (see our recent blog post Oh Deer! Drive Defensively this Season). We also know that ice and snow are coming soon (if it…

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Life Brings Storms: Personal Umbrella Policy has Protection

By Accident, Auto, auto accident, auto and home, auto claim, auto insurance, auto policy, bodily injury, Claims, Financial, Home, Insurance, lawsuit, Liability, liability claims, liability coverage, liability insurance, liability limits, Personal, personal injury, Personal Insurance, personal liability coverage, Personal Umbrella, personal umbrella policy, Umbrella

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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It May Have Been Covered but HOW Was It Covered?

By Accident, Auto, claim, Claims, collision coverage, comprehensive coverage, comprehensive protection, coverage, Home, inland marine, inland marine policy, Insurance, insurance claim, Liability, Personal, Personal Insurance, Personal Umbrella, personal umbrella policy, Umbrella

If you’ve watched any college football over the past several years, you’ve probably seen multiple commercials from a certain insurance company that likes to show an imaginary college professor walking an individual through a building containing exhibit…

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General Liability Covers More Than You Might Think

By bodily injury, Business, Claims, Commercial, Commercial general liability, Employees, Financial, general liability, Insurance, Liability, liability claims, liability coverage, liability insurance, personal injury, property damage, slip and fall, slip and fall accidents

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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