Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.
5 Labor Day Lessons on Securing Your Business
Posted: September 4, 2023
5 Labor Day Lessons on Securing Your BusinessThe long Labor Day weekend is a time for backyard barbeques and celebrating the holiday with family and friends. It is also an excellent time to review your coverage and ensure you have the following five main types of insurance to help protect your business. Business Owner’s Policy (BOP) Business Owner’s Policies (BOPs) are among the most popular insurance bundles for small business owners. They...
The Benefits of Umbrella Insurance
Posted: September 2, 2023
The Benefits of Umbrella InsuranceAccidents can happen to anyone, often leading to extensive financial losses. Umbrella insurance is a type of personal liability coverage that covers injury to others or damage to their possessions. It covers other family or household members as well as policyholders. It is a low-cost way to obtain significant additional liability coverage. Umbrella insurance provides the following benefits. Broader Coverage Umbrella personal liability insurance can...
Is Universal Life Insurance Right for Me?
Posted: August 22, 2023
Is Universal Life Insurance Right for Me?Universal life insurance is a type of permanent life insurance that provides lifetime coverage as long as you pay your premiums. Like other permanent life insurance, it has a cash value element that can be used for different purposes. Universal life differs from whole life in that it allows you to lower or raise your premiums within certain limits and offers more flexibility. How Does...
Errors and Omissions Insurance: What Is Covered?
Posted: August 19, 2023
Errors and Omissions Insurance: What Is Covered?Errors and omissions (E&O) insurance is a type of professional liability insurance. It is designed to protect professionals, including companies and workers, against claims of negligent actions or inadequate work brought by clients. Companies that provide services to customers for fees often purchase E&O insurance. What Does Errors and Omissions Insurance Cover? Generally, E&O insurance covers actions of professionals providing a service, including: Errors, mistakes,...
Should I Purchase Flood Insurance If I’m Not in a Flood Zone?
Posted: August 16, 2023
Should I Purchase Flood Insurance If I’m Not in a Flood Zone?Flood insurance covers direct physical loss to your home structure and belongings caused by flooding. If the area where you live is not in a flood zone, you may think you are safe from flooding. The fact is that flooding is the most common natural disaster in the country. Many flood-related insurance claims come from areas with a low to moderate flood risk. What Does...