One Saturday afternoon your friend calls you up and asks: “Dude, can I borrow your car for a few hours today? Mine’s in the shop.” You don’t think much about it and hand over your keys. But what do you do if your friend has an accident? Will your insurance cover the damage, or does…Read more
Does Car Insurance Cover a Rental Car?
WHEN YOUR car gets damaged in an accident or stolen, the repair or recovery cost is only part of the story. Without another vehicle available, your only recourse may be to rent one. The good news is that your policy may already include coverage to defray the cost of a rental. The standard personal auto…Read more
Want to Drive for Uber? Better Check Your Insurance
To make ends meet, or to build up their nest eggs, many people have turned to moonlighting as Uber or Lyft drivers. However, if you are planning to make some spending money, you need to understand that doing so could invalidate your personal auto policy. Uber and Lyft are so-called “ride-sharing” mobile apps that connect…Read more
Working from Home? Check Your Insurance Policy
As the gig economy grows, more and more people are opting to work from home, either to supplement their income from a full- or part-time job, as a freelancer, or to pursue operating a small business. Unfortunately, your homeowner’s or renter’s insurance may not cover damage to your business assets. Sixty percent of home-based businesses…Read more
Sewer Line Insurance
Too many homeowners assume that a sewage backup or other underground drainage/sewage line is their local government’s responsibility – until they have a problem. Homeowners and landlords often only find out too late, after thousands of dollars of damage, that their existing insurance doesn’t cover them. As a homeowner or landlord, your responsibility for sewer…Read more
Does Your Contractor Have Insurance?
When you hire a contractor, electrician or other home repair specialist, you may shop around on price and go with the least expensive one. But if a contractor comes in with a bid that is much lower than the competition, it could mean they are cutting corners – and one of the top ways for…Read more
Getting a Trampoline? Review Your Insurance Policy
As summer approaches, many families with children will buy a trampoline or bring one out from winter storage so the kids and their friends – and maybe even parents – can bounce to their hearts’ delight. But while they are fun, they can also be dangerous, with 100,000 Americans seeking emergency-room treatment for trampoline-related injuries…Read more
Protecting Your Firm as an Additional Insured
IN THE course of doing business, you may sometimes find yourself entering into contracts requiring that your firm be named as an additional insured on another party’s insurance policies. This is often done to make sure that your own insurance is not depleted by defense and indemnification costs for losses for which you may be…Read more
Should You Lease or Buy a Company Car?
If you’re a small business owner and you spend a lot of time on the road, you might decide to invest in a new car. However, before you let yourself be enticed to test drive your new wheels, you should consider evaluating whether leasing or buying is the best option for you. Some of the…Read more
General Liability Insurance is Not Enough
At some point, most businesses are involved in some type of legal dispute, be it over an alleged physical or property damage to a third party or financial injury to a competitor, client or vendor. And you’d surely want an insurance backstop in case you are targeted, to help pay for legal costs and any…Read more
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