Discounts & More: Combining Your Auto & Home Insurance with One Company There are huge advantages to combining your auto and home insurance with a single company. The biggest and most direct benefit is getting a multiple-policy discount. However, it goes beyond that, and the advantages can work out nicely in the policyholder’s favor. Let’s…Read more
Preparing for a Workers’ Compensation Audit
The mere mention of a workers’ compensation audit is enough to strike fear in nearly any business owner. For anyone who is scheduled for an audit, there is no need to worry or be fearful. With a little bit of common sense and preparation, much money and aggravation can be spared. It is important to…Read more
Does Your Board Have D&O Insurance?
Are you a board member for a non-profit or business? Pending litigation involving Richmond based Health Diagnostic Laboratory Inc illustrates the importance of Directors and Officers Liability insurance (D&O Insurance). Some of the directors and officers of HDL who are facing potential lawsuits will be able to access proceeds from a $10 million insurance policy…Read more
It Happens: Sewer backup
November 10, 2015 By: Christopher Barger Sometimes sewer backups happen. We look for someone to blame, but often there just isn’t blame to be found. How do we prevent it from happening? And if it does, how do we protect ourselves from the financial storm that follows? Suppose for a minute that you just spent…Read more
What Does Homeowners Insurance Cover?
Dan called and said the aluminum siding on his home is worn out and needs to be replaced. He asked if the siding would be paid for by his homeowners insurance. I informed him that worn out siding is not a covered loss which preceded his next question…what does homeowners insurance cover? Homeowners Insurance Homeowners…Read more
Open Enrollment 2016
To say it politely, health insurance is out of control! Policyholders on average are paying more for health insurance, managing a much higher deductible and paying larger co-pays than ever before. Obamacare has caused a lot of turmoil within the health insurance industry and done very little to reduce the cost of healthcare. In only…Read more
Classic Car Insurance
Is your classic car insured on a standard personal auto policy? If so, you’re not alone but unfortunately you have the wrong insurance. Here are three reasons why you should never insure a classic car on a standard personal auto policy. Mr. Raymond’s Claim Mr. Raymond contacted my office in June after filing a claim…Read more
Condo Insurance – What You Need to Know
Thinking about buying a condo? Condo’s are great for turnkey living and low maintenance however there are substantial differences when it comes to insurance. Master Policy vs. Unit Owner’s Policy There are 2 policies with any condo, the Master policy and the Unit Owner’s policy (HO-6). The Master policy provides coverage for the building and…Read more
Dog’s Affect on Homeowners Insurance
Like most Americans, I am a dog lover! My last dog, Miles, was a 135 pound Bloodhound and he was a great dog. He had big floppy ears and no matter what type of mood you were in he was right there with you. Unfortunately, there are some dogs that are not so nice and…Read more
Hurricane Insurance – Are You Covered?
We’ve all seen the dramatic effect hurricanes can have – both the initial wind then rain and the floods that follow. Make sure your homeowners insurance provides the coverage you need before the storm hits. If you can’t live in your home, make sure your policy will pay additional living expenses. Review your policy for…Read more
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