There are some 63 million dogs in the U.S. and while they make for great companions and help keep our homes safe from intruders, they can also be a significant liability. About 4.5 million people suffer dog bites every year, according to the Centers for Disease Control and Prevention. Of that number, about 885,000 need…Read more
Cargo Insurance
Although you may not hear much about it on the evening news, according to the FBI, cargo theft is on the rise and represents a threat to both our economy and our national security. Over the past five years, criminals involved in this type of activity have become more sophisticated, and more violent, in their…Read more
Protect Your Business with a Business Owners Policy (BOP)
Imagine the following costly scenarios: One of your staff embezzles $80,000 from your company. A visitor to your office slips and falls after the floor has been mopped, breaking his leg. There’s a fire in your warehouse that damages half of your $2 million inventory. As a small business owner, you would likely be reeling…Read more
What is Umbrella Insurance?
Umbrella insurance is designed to protect you from liability exposures that your homeowner’s and auto insurance policies do not, as well as fill in gaps in coverage when the limits of these policies are exhausted. Lawsuits are filed daily against ordinary folks, with reasons ranging from the frivolous to the justified. More often than not,…Read more
How Much Does Flood Insurance Cost?
As we experience more extreme weather and floods increase across the country, the National Flood Insurance Program is poised to make a shift in how it prices its policies that is expected to have a drastic effect on premiums for many homeowners. The NFIP’s new premium-setting system, called Risk Rating 2.0, will change how the…Read more
New Definition of Independent Contractor
In the last month of the Trump administration, the Labor Department finalized a regulation to clarify for employers which workers are employees and which are independent contractors. Because independent contractors are typically ineligible for employee benefits, businesses have an incentive to classify workers that way. The new regulation’s purpose is to make answering the question…Read more
Car Insurance Limits – Choose Wisely
All states set minimum coverage levels for drivers, but if you are involved in a serious accident, minimal coverage may not get you off the hook for the full extent of damages. Your state’s goal is to make the required insurance affordable, but in many cases the established minimum coverage is not adequate to cover…Read more
Non–Owned Auto Coverage
Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a business asks an employee to run an errand or visit a customer or vendor using that employee’s car. The organization may become legally liable for anything an employee acting on its behalf does while behind the wheel.…Read more
Cyber Liability…No Longer Nice to Have but a Must Have for Businesses
Cybersecurity threats have continued growing, in fact they been ramping up during 2020, and the trend according to experts is that the risks will continue to grow at an exponential rate. And small to mid-sized firms that think they will fly under the radar of cyber threats are sadly mistaken, as they are usually easier…Read more
How Much Will I Receive if My Vehicle is “Totaled”?
You’ve had an accident and your vehicle is in bad shape. After you report your claim, the insurance company sends out an adjuster to determine if it is worth paying out for the required repairs or instead of paying you for the value of the vehicle at the time of the accident. If the cost…Read more
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