Give Us a Call Before You Hit the Road in Your Motorhome or RV

You may have home insurance, and auto insurance, but is your motorhome properly covered? Let’s make sure you have the right protections in place before you set off on that epic road trip. Liability insurance? It’s the law. In most states, it’s the law that you have at least liability insurance for your RV. Our […]

Hiring a Nanny? Know Your Employer Status and Liability Risk

For many families with young children, COVID-19 has made the idea of in-home child care more appealing than ever before. However, while the convenience and flexibility can’t be beat, the liability exposure is more complicated than you might imagine. Are you prepared to respond to the risks? The risk of potential employer status When you […]

What To Do After an Auto Accident

First things first — make sure you’re safe. Here are a few things to do after that (you may want to print out a copy of this checklist and store it in your glove compartment, just in case): Check on yourself and your passengers (take note of any injuries and the severity). Call 911 and […]

Landowners, Your Vacant Land Is a Liability

Vacant land has become an increasingly appealing investment, particularly in the age of social distancing and skyrocketing home and rent costs. If you’re looking to join the growing ranks of landowners, you should consider insuring your investment. This may sound strange, as there’s nothing that can be damaged or replaced on an empty plot, but […]

Benefits to bundling home and auto

Home and auto policies go together like a great team – cookies and milk or peanut butter and jelly. It just makes sense. If your home and auto policy isn’t bundled you might be missing out on some key perks, like premium discounts that can mean savings. Benefits to bundling home and auto Taking advantage of […]

Why Cyber Insurance Is Essential To Your Small Business Risk Management Portfolio

It might feel like cybersecurity risk is only for the big companies; after all, they’re the ones making headlines. But according to the Cybersecurity and Infrastructure Security Agency (CISA), there’s a ransomware attack every 11 seconds — and 43% of cyberattacks target small businesses. Commercial auto, property and liability insurance are the staples of every […]

Insure Your Office Building From Soil to Sky

COVID ushered in a new workplace mentality – that of the hybrid or fully remote workforce. That has created new challenges for commercial office landlords, in both occupancy and insurance. Add to that continued volatility in politics, the potential for vandalism, skyrocketing repair and rebuilding costs, and persistent threats to building systems from cyber attacks, […]

What Is Farm Insurance?

“Farm insurance” refers to various policies that help protect farms. Farmers need property and liability coverage for their residence and business. They may also need commercial crop and livestock insurance, equipment and commercial auto insurance, pollution liability insurance and workers’ compensation. While farm insurance is sometimes sold as a single coverage, it is often composed […]

Residential GC’s Beware Part 2 of 2

Part 2: Subject to Audit If you have been in the game for a while, no doubt you are very familiar with today’s post and the words “Subject to Audit”. Almost every single general liability policy for General Contractors is going to be subject to audit and most of the policies are rated off gross […]

Residential GC’s Beware Part 1 of 2

Part 1 Know Your Exclusions We work with a lot of General Contractors both in the residential and commercial markets. One of the things we have come to realize over the last few years is there are a lot of insurance agents who have no business writing GL for contractors. Most every insurance agent has […]

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