As a homeowner, you may need to make repairs or renovations to your home, or otherwise enlist the services of contractors. However, scammers and con artists may attempt to impersonate contractors and take advantage of your needs. Detect suspicious parties and avoid falling for their contractor scams by being wary of the following behaviors: Arriving unannounced at your home Estimating substantially different costs than other contractors Requesting significant payment in advance Providing estimates as a single lump sum rather than an itemized list Failing to provide references or a business ad ..read more

General liability insurance, sometimes referred to as commercial liability insurance, protects businesses from financial loss should they be liable for property damage or personal and advertising injury caused by their services, business operations or employees. This video provides an overview of these policies and reasons why businesses should secure coverage of their own.   Quick Quote Form First Name(Required) Last Name(Required) Email address(Required) Phone Number(Required) Zip Code(Required) Quote Type(Required) Auto Home Renters Landlords Motorcycle Boat RV Life Disability Lon ..read more

May is Motorcycle Safety month, and an ideal time to review tips to keep motorcyclists safe on the road. Keep the following in mind when sharing the road with bikes and motorcycles: Check your blind spots before changing lanes or turning and always use turn signals. Avoid distractions while driving that could put other motorists, bike riders and motorcyclists at risk. Keep a safe distance from motorcyclists and bike riders to give them a chance to react. Pay special attention to your surroundings when turning left or approaching intersections. As the driver of a larger vehicle, it’s crucial ..read more

If your business depends on functioning equipment to operate and maintain revenue, a breakdown could be devastating. The threat of breakdown is increasingly prevalent because technologically advanced equipment tends to be sensitive and fragile, and can easily sustain damage that causes breakdowns. And the losses sustained continue to increase with the rise of just-in-time manufacturing, Internet marketing and improved supply chain management. Problems with your equipment can be extremely risky if you are not properly insured, as standard property insurance will not cover these types of losses ..read more

Even the most docile or well-behaved pets could be startled by an unknown party, such as a guest, neighbor or passerby, potentially causing them to lash out or react unexpectedly. Fortunately, the liability coverage portions of many home and renters insurance policies can include incidents involving your pets, such as the following: Injuries—If your pet injures someone else, such as by scratching or biting them, your insurance may help cover medical expenses and losses. Property damage—Insurance may also help cover costs should your pet damage someone else’s property, such as by getting into ..read more

Life insurance can offer numerous benefits to individuals and their families. Below are some key advantages: Financial security for loved ones—Life insurance offers financial protection for families. If a policyholder passes away during the policy term, their beneficiaries can receive a death benefit, which may help cover expenses such as funeral costs, outstanding debts, and ongoing financial obligations like mortgages and education expenses. This assistance can be invaluable during a difficult period. Debt protection—Life insurance can serve as a crucial tool for debt protection. Many indiv ..read more

Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property. Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your house. To make matters worse, many homeowners are surprised to discover that if a neighbor’s tree falls on their house, it’s usually their own homeowners policy—not their neighbor’s—that will cover the cost of the damages. What follows are general gui ..read more

Commercial general liability (CGL) insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an organization is held liable for injuring third parties or damaging their property amid nonprofessional negligent acts or in the course of its usual business operations. This type of insurance may also cover instances in which an organization is held responsible for causing personal and advertising injuries. When these incidents occur, CGL coverage can help reimburse various expenses incurred by the impacted organization, including ..read more

Car insurance is a vital safeguard for drivers that is often legally required by states. Specifically, auto liability insurance (a standard component of a car insurance policy) can help pay for damages you cause to others in an accident, saving you from costly out-of-pocket expenses. For example, if you rear-end another car, your liability coverage may help pay for damages to the other party, including their vehicle repairs and medical costs, up to your policy’s limits. If you didn’t have liability coverage in this scenario, you would be personally responsible for paying those expenses. Yet, d ..read more

Spring is known for bringing severe and unpredictable weather, including snowstorms, thunderstorms, flooding, extreme temperature changes and high winds. In spring, more than one weather event can often occur in the same week or even the same day. Because of the unpredictability of weather this time of year, it can be challenging to be fully prepared for severe weather to hit. Planning as much as possible is essential to keep yourself, your property and your loved ones safe. Check out the following tips to prepare for volatile spring weather. Prepare for Unpredictable Spring Weather Taking the ..read more