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
Why Are Commercial Insurance Premiums Increasing?
A new report by Willis Towers Watson predicts that most commercial insurance lines will see increases in 2020 as the market continues to harden almost across the board, with the only exception being workers’ compensation. Overall, 19 commercial lines are expected to see price increases according to the report, with property, umbrella, and public company…Read more
Homeowner’s Liability Goes Beyond Your Home
One misconception about homeowner’s liability insurance coverage is that it only covers incidents in the home. In fact, the coverage under the comprehensive personal liability portion of your homeowner’s policy is not limited by location. It is, however, limited by the liability caps on your policy. We can show you where that is stated. Here…Read more
Risk: When Employees Run Business Errands
Have you ever sent an employee out to pick up needed supplies? Offered to buy lunch for the crew and asked an employee to pick it up? Unless you only send employees who are insured to drive your company vehicles, you may be putting your business at risk. Your business may also incur liability if…Read more
Small Businesses Don’t Need Cyber Insurance
If your business has millions of excess cash and a crisis department dedicated to damage control, your business may not need Cyber insurance. If your business falls into the 95% category, and you do not have these resources, Cyber insurance is a must. Cyber attacks on companies’ information systems and data have reached unprecedented proportions,…Read more
Who is Responsible for a Fallen Tree?
You would think if your neighbor’s tree falls on your house or property your neighbor would be responsible for the damages and the cost to cut up the tree. One of my clients recently found out the hard way, this is not the case. John came home from work and discovered his neighbor’s large oak…Read more