Insurance

12
Jul

Determining Who is at Fault in an Auto Accident

Determining who is at fault in an auto accident requires identifying who the negligent party is. In most cases, common sense can be used to determine fault, but often drivers do not know exactly which laws were broken by the at-fault party. This makes it more difficult to prove a case to an insurer when making a claim. There are

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14
Jun

Protecting Your Firm as an Additional Insured

Protecting Your Firm as an Additional Insured IN THE course of doing business, you may sometimes find yourself entering into contracts requiring that your firm be named as an additional insured on another party’s insurance policies. This is often done to make sure that your own insurance is not depleted by defense and indemnification costs for losses for which you

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26
Apr

Understanding Your Insurance Policy Exclusions

Understanding Your Insurance Policy Exclusions You’ve no doubt been overwhelmed by the amount of fine print that your insurance policy has. The main reason for the fine print is to lay out in detail what the insurance company will cover in case of a claim and what it won’t. It’s important that you go through this with your insurance agent

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16
Apr

Gaps in Your Insurance Coverage Can Leave You Exposed

Gaps in Your Insurance Coverage Can Leave You Exposed You may have auto insurance and home or renter’s insurance in place to make sure you are covered in case of an accident. But, depending on the circumstances of a claim, you may have coverage gaps in your insurance coverage, and policyholders that do put themselves, their family and their possessions

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2
Apr

Why Your Business Needs a Commercial Umbrella Liability Policy

Why Your Business Needs a Commercial Umbrella Liability Policy If you own a business or commercial property and do not have a commercial umbrella liability policy, consider how easily you could absorb events like these: You own an apartment building with a porch that does not have railings. One of your tenants falls from it. Recovery from her injuries requires

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29
Jan

What is Workers Compensation Insurance?

What Is Workers Compensation Insurance? Workers compensation insurance provides coverage for medical benefits and wage replacement when an employee is injured or killed on the job. When an injured employee accepts workers’ compensation payments, he or she legally gives up the right to sue the employer later for damages or negligence. This is commonly known as the compensation bargain, and

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28
Dec

Bundling Insurance Policies Can Save You Hundreds of Dollars

Multi-Line Discounts May Save You Hundreds of Dollars a Year Looking to save money on your insurance premiums every month? You should consider taking advantage of multi-line discounts or bundling insurance policies. Many insurance carriers offer significant discounts for customers who place multiple types of insurance with the same company. In some instances, annual savings may amount to more than $300,

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12
Dec

Seven Tips to Get the Most from Your Business Insurance

Seven Tips to Get the Most from Your Business Insurance One Sunday in May 2011, a massive tornado tore through Joplin, Missouri. With winds surpassing 200 miles per hour, it killed 161 people, injured 1,150 more, destroyed approximately 2,000 buildings, and caused $2.8 billion in property damage. Insurance companies paid $2.2 billion to affected homeowners and businesses. The business owners

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28
Nov

Limiting Business Liability During Holidays

Keeping it Safe, and Limiting Business Liability During Holidays Since the holiday season or your party is only once a year, it’s easy to overlook safety even though you already incorporate it into the other aspects of your operations. While you obviously want your staff to relax and have fun at your holiday party, you also want to make sure

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3
Nov

How much Texas homeowners insurance coverage do I need?

What is Replacement Cost on Texas Homeowners Insurance Coverage? Unfortunately, disaster can strike at any time. No one is immune to the threat of losing his or her home due to any number of possible hazards. But a recent survey found that most homeowners are seriously under insured.  Marshall & Swift/Boekh, a leading insurance data services company, found  that 66

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