A majority of companies are leaving themselves exposed in one crucial area as they take on high-end professional services work. As more companies’ work is intangible, many firms are missing a critical element of protection for their professional services. Professional liability insurance in the past was mainly purchased by architects, accountants and lawyers, but with…Read more
Most Frequent Homeowners Claim
While most people are understandably concerned about insuring their homes against fire loss, that risk is not what causes the most losses for homeowners. Water damage is a more common threat that accounts for more claims than fire damage. Statistics show that one out of every five homes will experience some kind of water damage…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
7 Ways to Reduce Your Homeowner’s Premiums
Everybody wants to save money on their insurance premiums. If you own a home, you actually have a number of options for getting discounts on your homeowner’s coverage. There are some obvious ways, like installing fire-resistant siding and smoke detectors in the home. You can also get discounts if you purchase your car insurance from…Read more
Commercial Auto Insurance Rates Continue to Increase
Commercial auto insurance rates have been on the rise since 2011, increasing often by more than 10% a year as accidents and claims costs have soared. The trucking industry has been the hardest hit by the steep increases, and there are a number of factors contributing to the rate hikes, according to a recent study…Read more
Commercial Insurance Rates Continue Climbing
Despite the ongoing COVID-19 pandemic, commercial insurance rates are continuing to move higher, pretty much across the board with the exception of workers’ compensation. A new report by online insurance exchange MarketScout found that in the third quarter of the year the highest rate increases were in liability lines, but hefty rises in property insurance…Read more
Luxury Vehicle Insurance
Many first-time luxury vehicle owners make the mistake of buying an insurance policy with the lowest premium but, after an accident, they find out they are not given the level of customer service they expect and the insurer may not pay for the exact repairs they were expecting. You spent a lot of money on…Read more
Benefits of Combining Your 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 in your favor. Let’s look at the numerous variables on why this really works to your benefit. Discount The…Read more
Does Business Insurance Cover Rioting, Looting?
As protests around the country descended into rioting and civil unrest, many businesses that have been looted, or seen their shops damaged or completely destroyed, will obviously be turning to their insurance to file a claim. While many companies were unsuccessful in filing business interruption claims for the COVID-19 crisis, claims for damage and theft…Read more
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