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  • bodily injury general liability claim

    General Liability Claims Scenario

    Examples of Property Damage and Bodily Injury Claims The best way to understand how general liability insurance protects small business is to look at examples of this policy in action. You already know that general liability usually helps cover lawyer fees, court expenses, damages to properties belonging to third parties, and immediate medical costs for […]

    October 16, 2018

  • What Should I Do if I Hit an Object on the Road?

    Every driver is faced with many different perils while driving. You may be driving down the highway when the tire of the car in front of you bursts and sends rubber and debris flying at your car. Or perhaps you’re driving across a twisting country road at night and a deer unexpectedly jumps in front […]

    October 15, 2018

  • Replacement Cost vs. Actual Cash Value

    Actual Cash Value (ACV) and Replacement Cost Defined Actual cash value, also called “fair market value”, is when an insurance company agrees to pay you the value of the item at the time of loss minus depreciation. Replacement cost is when an insurance company agrees to pay for the item at today’s cost. This applied […]

    October 2, 2018

  • Five Ways to Protect Your Personal Electronic Data

    Online data breaches are just an unfortunate fact of life now—as the New York Times put it, you might as well assume that your personal information has been taken, because cyberattacks happen all the time. That’s why we recommend Safeco’s identity-recovery coverage, available for just $1 a month for our homeowners customers. It’s best if you […]

    October 2, 2018

  • umbrella insurance claims

    Real Life Umbrella Insurance Claims Part 3

    Actual Claims on a Personal Umbrella Policy Example Claim #1: The Injured Girlfriend A teenager was driving to the store with his girlfriend and accidentally hit a tree. He claimed a vehicle cut him off but there were no witnesses or any evidence to support his claim. His girlfriend suffered multiple fractures and other internal […]

    September 27, 2018

  • umbrella insurance claims

    Real Life Umbrella Insurance Claims Part 2

    Actual Claims on a Personal Umbrella Policy Example Claim #1: Pre-prom Photoshoot A teen had a group of his friends over to get ready for prom. They stepped outside on the balcony to take a large group photo. The balcony collapsed injuring most of the teens as the balcony was about 10ft of the ground. […]

    September 24, 2018

  • employment practices liability risk

    Understanding Employment Practices Liability Risk

    Did you know you are at risk of an employment claim from the moment you interview a prospective employee? Whether you hire the employee or not, you may face risks either way. If you don’t hire that person, he or she may allege some sort of discrimination. On the other hand, if you do hire […]

    September 22, 2018

  • employment laws

    Understanding Employment Laws to Protect Your Business

    Protect Your Business from Employment-Related Claims Various laws are in place to protect the rights of your current and prospective employees. While employment practices liability insurance (EPLI) is a smart investment for most companies, it is still important to understand and carefully follow the employment laws already in place. Title VII of the Civil Rights […]

    September 20, 2018

  • vacant house - unoccupied house insurance

    Unoccupied and Vacant House Insurance

    Unoccupied or vacant home insurance is a type of insurance policy that covers houses that are temporarily unoccupied or vacant. You may find yourself in this situation for a number of reasons such as: Extensive renovations that keep you from staying there Waiting for a home to sell Bought a new home but won’t be […]

    September 19, 2018

  • Kids Are Heading Back to School — Let’s Keep Them Safe

    The end of summer means many things, such as cooler weather, shorter days and … the start of football is here! But most important, it means kids are headed back to school. And that means we all should be extra careful on the roads, in school zones and around buses. Don’t forget to watch for […]

    September 14, 2018