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Financial

What You Need to Know When Insuring Your LLC-Named Home

By Articles of Incorporation, estate tax, Financial, forming an LLC, Home, homeowners, Insurance, Liability, Limited Liability Company, LLC, LLC coverage, LLC endorsement, LLC-named home, Personal, Personal Umbrella, vacation home

Have you considered ways to protect your home beyond insurance? Are you concerned about planning for your estate? Placing your home in either a trust or a Limited Liability Company (LLC) are great options to avoid certain estate tax penalties. ……

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Coverage for the College Student

By additional interest, college, college students, dorm room, Financial, Home, homeowners policy, Insurance, Liability, Personal, personal liability coverage, personal property, personal property coverage, Personal Umbrella, personal umbrella policy, renters insurance, Umbrella

This is the time of year I often receive questions about the coverages needed to protect students who are going away for school. These requests are common for parents sending their children off to college for the first time. College…

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The New Year is a Good Time for Your Commercial Policy Check-Up

By annual insurance review, Business, Business Insurance, business owner, Commercial, commercial insurance, commercial property, exposure, exposure changes, Financial, independent agent, Independent Agents, independent insurance agent, Insurance, New Year, new year's resolution, protection, renewal

As a small business owner, you have a lot on your plate. Obviously, making a profit and keeping your business growing are of paramount concern.  In addition, there’s making payroll, staying competitive, staying on top of new healthcare and tax laws,……

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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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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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How Does Your Homeowner Policy Respond To Total Losses?

By cash-out provision, Central, Claims, enhanced replacement cost, Financial, guaranteed replacement cost, Home, homeowners policy, Insurance, Personal, Risk Management, total loss

While homeowner insurance covers individuals and families for many day-to-day claims involving water damage, roof damage, and the like, it is potentially there for you when the unthinkable happens and your house is completely destroyed. Dozens of quest…

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Don’t Take Any Chances: Properly Insure Your Valuables!

By Central, Employees, Financial, homeowners insurance, homeowners policy, inland marine policy, Insurance, Personal, personal jewelry, personal property coverage, scheduled coverage, scheduled personal property policy, Umbrella

Were you one of the lucky individuals who received jewelry as a gift this past holiday season? Or perhaps you received something special for Valentine’s Day? In either case, here’s the important question that you need to ask yourself: “Did…

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