18 Jan
2019

What is uninsured/underinsured motorist coverage?

by Katelyn Betts | with 0 Comment | in Auto Insurance

Okay, so you know that in theory everyone on the road is supposed to have car insurance as required by the state you live in. Which means that, in theory, every driver on the road should be able to compensate you if they cause an accident that harms your car – and, more importantly, you. But what happens if you’re in a car accident where the other driver is at fault … and they don’t have enough insurance (or, well, any insurance) to pay for your medical bills and other expenses they’re legally obligated to give you? That’s where uninsured/underinsured motorist coverage (a.k.a. UM/UIM coverage) can help you. We’ll explain what it is and why you might want to consider it.

16 Jan
2019

The benefits of having hired and non-owned auto insurance

by Katelyn Betts | with 0 Comment | in Business Insurance, Insurance

There’s a lot that goes into running a business, and sometimes errands and such might require your employees to go mobile and drive. If your employees ever have to drive their own personal cars for business use, you could be opening up your business to risk. Sure, your employees are good drivers and you don’t feel the need to grab a crash helmet knowing they share the roads with you.

14 Jan
2019

What is sewer backup coverage and do I need it?

by Dee Barnett | with 0 Comment | in Home Insurance, Insurance

Hey, wait. What’s that smell? And why is yard covered in muck? You may have a sewer backup problem, and it could cost you hundreds if not thousands of dollars to fix. Great. Sewer backups are something that many people never see coming, so a lot of homeowners skip on sewer backup coverage. Or worse, they don’t know that they can get it. If you’re one of these homeowners, here’s a rundown of what sewer backup insurance is and how it can be a lifesaver if you own a home.

11 Jan
2019

6 car insurance coverages explained

by Katelyn Betts | with 0 Comment | in Auto Insurance, Insurance

If you’re getting car insurance, you might be a little overwhelmed by all the choices you have to make. Sure, you might just want the entire ordeal to be over with. You might be tempted to be haphazard about choosing your coverages. But it’s important to know how each of these coverages protects you (believe it or not, these coverages are more than just money flying out of your wallet.) Here are 6 car insurance coverages explained in simple, bite-sized pieces.

09 Jan
2019

6 ways cyber liability insurance can protect your business

by Katelyn Betts | with 0 Comment | in Business Insurance, Insurance

Computers are great, and chances are they play a fairly big role in helping you manage and run your business. While technology, in theory, makes life easier, it also opens up a bunch of new potential problems and threats. Data breaches and hacks can be catastrophic – we’ve all heard the horror stories. For businesses, a cyber attack can mean an interruption of business, lost revenue, and even litigation.

It’s not a pretty picture.

And while it’s tempting to believe that cybercriminals are only after big businesses that have huge profits, that’s not exactly reality. Cybercriminals are after small and medium businesses, too. That’s why it’s important to think about cyber liability insurance for your business. Cyber policies are tailored to your specific business, and they can protect you in a variety of ways. We’ll go over six ways that cyber insurance protects your business.

07 Jan
2019

Home insurance: What is an HO-3 policy?

by Katelyn Betts | with 0 Comment | in Home Insurance, Insurance

Home insurance might seem like a pretty complicated thing. And it kind of is. There are a lot of fancy terms you have to know; it’s almost like speaking a different language. You might be wondering how your insurance policy works. You know that it’s called an HO-3 policy, but what exactly is that? We’re going to answer several important questions about HO-3 policies to help you understand how that very important (and very wordy) document works.

04 Jan
2019

Car insurance: The difference between being canceled and nonrenewed

by Katelyn Betts | with 0 Comment | in Auto Insurance, Insurance

Okay, so you’re in a bit of a pickle. You just found out that your car insurance company…is no longer going to be your car insurance company. Maybe you’ve been nonrenewed or maybe you’ve been canceled. Either way, the bottom line is that you soon will be without insurance. But are nonrenewal and cancelation the same thing? Not exactly. We’ll explain why these two pickles are different and how you can react to each.

02 Jan
2019

How can I lower my liquor liability insurance rates?

by Dee Barnett | with 0 Comment | in Business Insurance, Insurance

If you’ve served liquor at your restaurant, catering company, or company party, you may have at least one liquor liability horror story. Where there’s alcohol, there’s bound to be someone who parties a little too hard. And when a drunk person gets out of hand, they could end up hurting themselves and others. This could cause big liability issues for your business.

If you have liquor liability insurance for your business, these bodily injuries and property damage can be taken care of. However, as important as it is to have coverage for liquor liability incidents, it’s just as important to know how to prevent these mishaps in the first place. Here are 7 tips on how to reduce your chance of liquor liability before anything serious happens.

28 Dec
2018

What to do if you’re in a car accident

by Katelyn Betts | with 0 Comment | in Auto Insurance, Insurance

Being involved in a car accident is not a situation anyone wants to be in, whether you’re the at-fault driver or the driver who was hit. It can be a very scary, stressful time, and it’s completely understandable that you might be flustered and might not quite know what to do. These are the steps you can take after a car accident.

26 Dec
2018

4 risks COA insurance can protect COAs from

by Katelyn Betts | with 0 Comment | in Business Insurance, Insurance

A Condo-owners Association (or COA) is responsible for a lot. It’s in charge of maintaining the shared common areas of the condominium, such as walkways, swimming pools, parking areas, the grounds, and recreational areas – among their other responsibilities and duties. However, all of these responsibilities open the Condo-owners Association (or the board members in charge of the COA) to a certain level of risk. And that’s where COA insurance can help you – it can protect you from those risks. We’ll explain some of the common risks COAs face and how COA insurance protects you.

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