When purchasing insurance, the last thing you are concerned about is having to deal with an insurer who doesn’t honor their claims, right? In the event you have to file a claim, knowing a few things about insurance companies and how they operate may save you time and money. Here are a few things to be aware of: Adjusters are not on your side Most people consider adjusters to be very pleasant, but they are not on your side unless you have hired an independent adjuster. An insurance company’s adjuster is working for the insurance company, designed to negotiate on the insurance company’s behalf ..read more

If you run a small business, you understand the joy and fulfillment this can bring. After all, there is nothing more fulfilling than building something from the ground up. Because your business is also a valuable investment, you have to protect it accordingly. That is where business insurance can be helpful. On the other hand, there are also a lot of mistakes people make when they are looking for business insurance. What mistakes and pitfalls do you have to avoid if you are looking for business insurance? Not Getting the Right Type of Business Insurance One of the first mistake people make is ..read more

Depending on where you live, your foundation could be at risk. The soil under the foundation could erode, there could be cracks from tree roots or the foundation could collapse. Having homeowners’ insurance should make you breathe easier, right? Well, don’t get too comfortable. Foundations fail for a number of reasons. Some of those reasons are covered without question and some are not. These decisions are based on the cause of the foundation’s damage. If it’s due to natural causes, fire, or plumbing damage. A general rule of thumb is that any event the home is covered by may fall under covera ..read more

Having homeowners insurance is important, but is your home really safe and sound with your homeowners’ insurance policy? Homeowners insurance is supposed to protect your home from property damage and other losses. It should also include a liability provision in case someone is injured while on your property. While this sounds good, there are some things that may not be covered: Business-related items More people are working from home, and that means they will have business equipment and assets on the property. In some cases, the business is housed on the property, but in a separate structure ..read more

Yes! It is finally time to send out the invites for the first corporate event since your employees went into quarantine last year. You want it to be a huge success! Special Event Insurance is a low-cost investment that can reap huge rewards when you are faced with a wide range of uncertainties often associated with well-attended parties. Protecting Your Bottom Line while Being a Generous Host Everybody wants to have a great big party when it is safe to come together once again. That also means that your guests might be more likely to get into a fight, break some furniture, or make a poor choic ..read more

You operate your own startup business from your home office or garage. Over the past year, you have experienced great success and are starting to struggle to keep up with orders. Whether you are crafting furniture, producing a delicious line of jellies, or providing consulting services for professionals downtown, you need a vehicle to get work done. Should you just keep using your standard auto insurance, or should you be looking at a commercial auto policy? Loaning Your Personal Vehicle for Company Purposes Comes with Risks If you are in the habit of giving your admin your keys to run so ..read more

You operate your own startup business from your home office or garage. Over the past year, you have experienced great success and are starting to struggle to keep up with orders. Whether you are crafting furniture, producing a delicious line of jellies, or providing consulting services for professionals downtown, you need a vehicle to get work done. Should you just keep using your standard auto insurance, or should you be looking at a commercial auto policy? Loaning Your Personal Vehicle for Company Purposes Comes with Risks If you are in the habit of giving your admin your keys to run so ..read more

Do you live in an area that has high home insurance premiums? This is due to the crime rate, population density, and the likelihood that you will suffer a break-in or vandalism. Some insurance providers offer discounts to customers when they add security upgrades to their property. Which ones are most recommended to help fight crime and lower rates? Change Your Locks and Add a Deadbolt Your front door is the most likely point of entry for smash and grab crews. The single lock in the knob is the place that will fail first from a kick-in. Changing the lock not only stops previous tenan ..read more

Nobody is perfect. That is certainly the case when it comes to driving on the open road. If you are involved in a motor vehicle accident, the first thing you need to do is call 911. The police officers will show up, take a look at the scene, and probably assign blame the one or more of the parties involved. If the accident was your fault, is your insurance company going to pay to fix your car? The answer is that it depends. You Have a Policy That is Liability Only There are multiple types of insurance policies. If you are trying to spend as little money as possible on car insurance, then you p ..read more

A home is one of the most valuable purchases that you are ever going to make. In addition to being a location where you are going to make a bunch of memories, it is also a valuable financial investment. If something were to happen to your home, would you be able to cover the value of your home with cash? The likely answer is no. That is why it is important to find home insurance. At the same time, is home insurance actually required by law? There are a few important points you should keep in mind. Home Insurance Is Not Actually Required by Law (But You Still Need It) It may come as a surprise ..read more