Are you or your kids social media junkies or online activists? It’s easy to fire off complaints and rumors with just a couple of words and clicks. Are you politically active and helping spread the word about your cause? You may think you are warning others, but do you know you could be risking your […]
Read MoreSupply Chain issues with auto and property claims
Supply Chain Issues with Auto and Property Claims A lack of parts, materials and labor to repair cars and buildings is hampering the ability repair many vehicles. The outbreak has thrown a number of challenges at the insurance claims community, such as handling claims when most staff are working from home and assessing damage when […]
Read MoreBackyard Weddings
While small, at-home weddings may limit the risk related to COVID-19, they increase the risk of a home mishap. Commercial venues and traditional wedding vendors carry significant liability coverage. But you may not have that safety net. The homeowner retains all the risk if something goes wrong. For those that want more protection, you can […]
Read MoreSmall Business Loans – Paycheck Protection, EIDL Loans and Grants – resources for you
As a small business owner, I wanted to share with others some of the financial options that may help you weather this Coronavirus storm. With so much changing each day we are providing some links that will help you. The first is a great article with some Q&A. Although the author is from Georgia, the […]
Read MoreFull or Limited Tort – understand the difference
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: […]
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