Our Blog
Informative articles on insurance, safety and risk for you, your family or your business. Each article includes a link for you to share with anyone who may benefit.
Construction Contractors Need Special Types of Insurance
Construction businesses need the same kind of insurance as other businesses, but special situation unique to the building trades mean you often need supplemental insurance. Examples include insurance floaters to cover equipment and machinery in transit or during testing; builders risk policies to cover the ever-increasing value of a structure as a job moves toward completion; bid or other bonds may be required for many jobs.
If your business promotes or markets its products or services over the Internet, there are unique property and liability risks. For example, you are vulnerable to major loss exposures from malicious attacks, loss of service or theft of customer information from your database.
Continue Reading...
An office is the primary or only premises for numerous types of small businesses, including, for example, employment, travel, collection, insurance, advertising and other agencies. Electronic equipment and data are vital to the operations of most such businesses. They also have the risk of lawsuits from disgruntled clients or customers.
Continue Reading...
Artisan contractors like carpenters, roofers, electricians and plumbers often have basic insurance needs taken care of through a Business Owners Insurance Policy (BOP), but a BOP isn't designed to provide coverage for all business risks, especially those faced by contractors. Floaters may be necessary to cover equipment; business auto insurance may be needed to cover trucks used primarily in business, and many states require contractor employers to provide workers compensation insurance.
Candles, lights and decorations are an essential part of the holiday season. Unfortunately, they also increase the risk of fire and injury. Each year fires occurring during the holiday season injure nearly 3,000 individuals and cause over $900 million in damage.*
Continue Reading...
If you have a domestic employee, such as a gardener, housekeeper, or nanny, who drives his or her own auto while working for you, there is a potential for you to incur liability arising from their driving that would not be adequately insured. If your employee negligently causes an accident, you as the employer can be drawn into the lawsuit and held liable. Your employee’s own insurance, if any, will protect you up to its policy limits, but you may be on your own after that. And your personal auto policy may not respond to cover the difference. The courts have ruled in different ways on these types of loss situations.
Continue Reading...
In these cost-conscious days, everyone is trying to save money wherever and whenever they can. It seems that people may especially look to their insurance policies as a place to realize some savings.
Continue Reading...
A standard homeowners insurance policy includes four essential types of coverage. They include:
Continue Reading...
