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Liability

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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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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Protect Yourself While Shopping Online

By applications, Business, Commercial, credit card, credit cards, cyber, Cyber Insurance, cyber security, cybersecurity, fraud, hackers, Insurance, Internet, internet safety, Liability, liability coverage, liability insurance, online, online payment, online safety, online shopping, Prevention, protect online privacy, retail, Risk Management, Technology

These unprecedented times have left many of us with only one way to shop: online. Many online businesses have benefited from consumers “sheltering in place” with an influx of buyers shopping via apps and the internet. I am sure that I…

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Insuring Your Office

By building, building contents, building coverage, Business, business income coverage, Central, Commercial, commercial building, Commercial general liability, commercial insurance, commercial policies, commercial property, exposure, exposures, general liability, Insurance, Liability, office, office building, offices, property, Risk Management

Commercial insurance is not one-size-fits-all, but there are features that even very different businesses have in common. Offices are an exposure that nearly every business has, from accounting firms to web engineers, and from one-person offices to a t…

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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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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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