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Key Differences Between Commercial Excess Liability and Umbrella Insurance Policies
Commercial excess liability insurance and umbrella insurance are secondary coverage policies that attach after primary insurance policy limits—such as general liability, employer’s liability, also known as workers compensastion, and commercial auto insurance—have been...
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Auto Insights: Preventing Vehicle Theft
Vehicles are one of the most popular targets for criminals because they are relatively easy to steal. Don’t be the next victim of vehicle theft. Consider the following guidelines to reduce the risk of getting your vehicle stolen. Never leave your vehicle unattended...
ATV’s and Personal Safety
All-terrain vehicles (ATVs) can be a great source of fun for adventure seekers. These vehicles are designed for riding on off-road paths and are useful for carrying loads and supplies. Though they are fun to ride and can make carrying loads easier, however, ATVs are...
Personal Watercraft Coverage
If you own your personal watercraft (PWC), you’ll want to know about all the ways your PWC policy allows you to stay protected, including bodily injury, property damage, and theft. What is PWC Coverage? Personal watercraft (PWC) coverage may cover the following:...
Small Business Insights – How to Prevent Employee Fraud
Employee fraud—when an employee knowingly lies to, steals from, or deceives their employer to make personal gains—occurs in approximately two-thirds of U.S. small businesses, according to the National Federation of Independent Business. In fact, small businesses face...
Preparing Your Home for a Wildfire
Many homeowners face the risk of wildfires, which are usually triggered by lightning or accidents. They spread quickly, igniting brush, trees, and homes. Some homes survive, but unfortunately, many others do not. Those that survive almost always do so because their...
Home Matters: Renters Insurance Myths
Renters insurance exists not only to protect the belongings in your home but so much more. There are so many misconceptions when it comes to what renters insurance is and what it covers. Here are some common myths (and realities) about renters insurance. Myth #1: I...
Behavior-based Safety Explained
It’s critical for safety to be at the forefront of any organization, regardless of size or industry. By upholding a safe work environment, organizations can minimize the risk of costly on-site accidents and employee injuries—boosting staff morale and maximizing...
Are You Prepared for Spring Thunderstorms?
Every thunderstorm produces lightning, which is extremely dangerous. Though lightning fatalities have decreased over the past 30 years, lightning continues to be one of the top three storm-related killers in the United States. Although most lightning victims survive,...
Factors That Affect Your Homeowners Insurance Premiums
Home insurance coverage can differ from policy to policy depending on a multitude of factors. Being aware of these factors that affect your premium can ensure that you are appropriately covered. Review this Know Your Insurance to understand the factors that are...
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