What is a Tort? (And why would I limit it?) As you decide which liability coverage you want under your auto policy, you will be asked whether you want to elect “limited-tort” or “full-tort”. The following information is intended to explain what those two terms mean in plain English, and the implications of choosing one. […]
Read MoreFlood Insurance Misconceptions
There are several misconceptions when it comes to flood insurance. You don’t want to make the mistake of not having enough insurance if your home is flooded, regardless of the reason. Being educated as well as being prepared for flooding can save you time, money, and frustration in the long run. Misconception #1: Flood damage […]
Read MoreTips for contractors collecting certificates of insurance
How do you prove to the auditor that your subs have their own General Liability, Auto insurance and Workers’ Compensation insurance? The one and only way is to have a current and valid certificate of insurance in your possession. If you can’t produce the certificate, you will be charged a premium on your audit for […]
Read MoreWhy you should not trust online insurance reviews
When shopping for insurance you have many options – but when it is time to purchase, clients often ask me about online reviews. I can’t say the comments are not accurate, but you should ask yourself how often do you go on social media to compliment a company? Be honest, you usually save your reviews […]
Read MoreYou should review your homeowners insurance now!
Did you know that one in 15 insured homes has a claim each year? Yes, according to the Insurance Information Institute, it’s only a matter of time before it’s your turn to file a home insurance claim. Wind, hail, water damage, freezing, theft, fire and lightning are just a few of the common culprits. Now […]
Read MoreFlood Insurance and Backwater and Sewer – Do I need it?
Imagine you’re home relaxing, when you hear the local weatherman advise that your town is under a severe thunderstorm and flash flood warning — again! You pause and wonder “Will my home and business be covered if I have flood damage?” Q: Will my standard homeowners’ or business policy provide coverage for flood damage? A: […]
Read MoreTeen Driver?
Having a new driver is frightening and freeing! While I am sure you are like me, happy to stop driving your teen everywhere, it causes parents anxiety about the cost of insurance and the fear of accidents. One important thing we recommend for parent and drivers to be is to find a great driver’s education […]
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