It is illogical but sometimes the lowest benefit amount of coverage isn’t the lowest priced. Your agent can assist with showing a variety of coverage limits and why the benefits provided by higher limits might save you money in the long term.

Here is a list many have forgotten: Dorm break-ins (students’ property away from your home), falling objects, unauthorized use of credit cards, debris clean up. Other items too, be sure to review with your agent.

Homeowners- HO3 forms gives you broad roof coverage for all types of hazards. Just like the rest of your home, the roof is covered against various perils, including: Vandalism, Fire, Windstorm, Hail.

As a general principle, insurance only covers damages that occur suddenly and accidentally. An agent can help you understand why this is important and what to avoid.

Like almost everything that has to do with insurance, the issue depends on the loss circumstances. While damage caused by mold, fungi, or spores is generally excluded, there is usually a caveat. Your home insurance policy might pay for mold damage, depending on what caused the mold damage, any sub limitation and/or a purchase of added mold coverage (offered in some areas).

Financial management has been shown to associate any individual with better management of risks. Your insurance carrier will review your financial management and they’ll provide you with detail of their practices. Your agent will be able to provide more detail as to how this can benefit you.

Our carrier partners provide a series of payment options and depending on product and term, you can use a credit card. One important consideration is fees. The carrier payment options can include a service fee. Your agent will guide you to select the best option for you that considers saving money on service fees.

Be sure to get you and your family in a safe position first. Then, understand the situation and information you need to move forward. Your agent can help you understand the detailed next steps. Many insurance carriers have web, text and phone contacts available to help 24/7.

Should a loss occur, the last thing you want to do is fumble around trying to list out everything in your house that was damaged. Creating a household inventory simply means listing everything you have in your house. It might seem like a daunting task, by following an organized approach it will be completed swiftly. Ask your agent for a list and take photos, include receipts for big ticket items and you’ll be set.

A lot of components are put into play when it comes to insuring a commercial property. A building’s age, location, structural parts, and overall layout should all be considered. Commercial insurance plans can cover the main building and additional smaller structures (ie: sheds, garages, workshops, etc.) on the property. Therefore, the entire property plus all listed structures are surveyed and considered when calculating an insurance premium.

Rates are set for some lines of business based on your revenue or payroll. There are considerations your agent can help you with when selecting the right coverage for your business. These are worth the time to discuss options.

The hiring process may differ at your company. Modify the steps that best suits your needs. Consider the expertise offered by your agent or carrier to help you avoid complex litigation for employment litigation or worse employee injuries. A few examples to illustrate might help. If the position requires driving, then you will want to make certain that your new hire has a good driving record. Background checks may be essential for your company to ensure the security and safety of your clients and workforce. Keeping good records about the selection process and the rationale for hiring the selected candidate can minimize future risk in case of a legal challenge.

Liability insurance for “Personal and Advertising injury” is a component featured prominently in your business’s commercial general liability (CGL) insurance policy. But it is often overlooked as it is not considered an important portion of liability coverage. To answer the question, let’s dive a little deeper and sort through some definitions.

Defamation is a statement that causes unjustified injury to a person’s reputation. When the defamation is spoken, it is considered slander. When it is written, it is considered libel.

There are four legal criteria for proving defamation:

• The statement is false
• The statement injured the subject of the statement or their business in some manner (if they were fired or list customers, for instance)
• The statement was communicated to a third party
• The statement was made publicly (it was not privileged information)