Does my Business Need an Umbrella Policy?
Posted: August 1, 2018
The purpose of a Commercial Umbrella policy, which is also known as a Business Catastrophic Liability (BCL) policy, is to provide your business with additional liability coverage above what your General Liability, Commercial Auto, and Workers Compensation insurance policies already provide. The liability coverage provided by a BCL policy is triggered when your underlying liability limits (General Liability, Commercial Auto, and Workers Comp) have been exhausted. Another...
Understanding Your Homeowners Policy
Posted: July 31, 2018
Most people don't want to think about their homeowners insurance until they need it. Homeowners policies are lengthy, complicated, and written in legalese. Nevertheless, it could pay off to thoroughly understand your homeowners policy and know how it works. Our agency is happy to assist you with not only finding the right homeowners policy, but also with understanding what is in it. Basics of Homeowners...
Are You Paying Too Much For Your Car Insurance?
Posted: July 23, 2018
Like food, housing, and medical care, car insurance is a necessity of life in the 21st Century. At a bare minimum, nearly every state in the U.S. has enacted mandatory liability car insurance laws for all drivers. On top of that, a new car is a significant investment that most owners want to protect with comprehensive and collision coverage. Unfortunately, many people today are leaving...
Backup of Sewer, Drain, & Sump Pump Endorsement
Posted: July 11, 2018
The Backup of Sewer, Drain, & Sump Pump endorsement is a coverage that can be added to your Homeowners Insurance policy, Landlord Policy, or a Commercial policy. With this endorsement added to your Homeowners insurance policy, you will now have coverage for events that would have otherwise been excluded. Let's first look at the definition, to better understand the coverage this endorsement provides. Definition: Provides coverage...
How To Keep Your Office Safe From Cyber Crime
Posted: June 29, 2018
Cyber crime is criminal activity carried out on the internet. It can be a crime such as hacking, spamming, or phishing in which a specific device is the object of the crime, or a crime in which a device is used as a tool to commit an offense. Common cyber crimes include identity theft, unauthorized computer access, online theft of bank information, and online predatory...