Personal auto insurance rates continue increasing and even motorists who have had no accidents or moving violations are seeing their premiums climb at some of the highest rates for decades. Continuing a trend from the past six years, premiums increased an average of 17% in the first half of 2023, according to Insurify, Inc. The…Read more
Will Your Insurance Protect You from a Facebook Lawsuit?
Social media has grown by leaps and bounds over the past decade. What many people don’t understand are the unique risks that come along with social networking. Anyone using Facebook, Instagram, Twitter (now X), TikTok, or any other social networking site should exercise extreme caution in what they decide to say online. Online bullying can…Read more
Understanding Boat Insurance
If you have a boat or are considering buying one, you should understand your insurance obligations and what is permitted under your coverage. Owning a boat opens you up to a whole new set of liabilities, particularly property damage to a third party or physical injury to someone else. Policies also include a number of…Read more
New Car Totaled; Will Insurance Pay Off the Loan?
It’s a nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely mangling most of the front end and irreparably damaging the frame — essentially totaling the vehicle. Luckily nobody was injured, but will insurance…Read more
Are You Covered for Personal Use of Company Vehicle?
Getting a company car is a coveted perk for employees, but it can also cause some coverage issues with your personal auto policy. The standard auto policy excludes coverage for non-owned vehicles furnished or available for your regular use. This means you are relying solely on the company’s insurance for protection. If for any reason…Read more
3 Ways To Reduce Workers’ Compensation Insurance
Workers’ compensation insurance can be a large cost center for a business, and if your employees are regularly injured on the job those costs can quickly become a financial burden, even in this period of low rates. Companies in industries with high rates of workplace injuries are especially vulnerable, particularly if an employee suffers permanently…Read more
10 Ways to Reduce Your Homeowner’s Premium
Homeowner’s insurance premiums are increasing at an alarming rate. You may be looking for ways to reduce your annual premium without skimping on coverage. After all, a large portion of your net worth resides in the same place as you do. But there are a number of strategies you can use to chip away at…Read more
Your Homeowner’s Insurance Won’t Cover Work Under Construction
Many homeowners who are renovating their homes, or building a new one, make the expensive mistake of not securing additional coverage during the construction phase. A fire may destroy your materials and equipment, or thieves clean you out in the dead of night. When you call your homeowner’s insurer, you find out it doesn’t cover…Read more
Employees Driving on the Job in Own Cars are Your Liability
Many business owners don’t think twice when asking a worker to run to the office supply store, to the bank, or to run another errand for the company while on the clock. But as soon as that employee enters their personal vehicle on a trip for your business, you automatically become vicariously liable for their…Read more
Who Is Liable When a Tree Falls onto a Neighbor’s Property?
Many people have trees on their property. They provide shade and complement landscaping nicely, but they can also cause major disputes when they fall over. A tree may topple over if it is not properly maintained, it’s diseased or a storm knocks it down. When a tree falls over onto a neighbor’s property, a homeowner…Read more
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