Archives: September 2019

Common Commercial Property Insurance Exclusions

Commercial property insurance is designed to protect the physical assets of your business from specific perils, including fire, explosions, storms, burst pipes, vandalism, and theft. It protects your building and its contents, along with fences, signs, and other exterior fixtures. It is a core coverage of your business insurance policy. If you have purchased commercial property insurance coverage for your business, you can expect to...

Understanding The Liability Portion Of Homeowners Insurance

Generally, homeowners insurance is designed to help repair or replace your home and belongings if they are damaged by certain covered perils, such as fire or theft. Most homeowners policies also provide liability coverage in case a visitor is injured on your premises, or you accidentally damage another person’s property. You may also add a personal umbrella policy – a type of insurance that provides...

Home Insurance Offers Much More Than Just Coverage For Your Home

Everyone who owns a home buys homeowner’s insurance to cover the dwelling and some level of coverage for personal property. But homeowner’s insurance and renter’s insurance can offer many additional benefits other than for just coverage for the dwelling and personal property. Replacement Cost Coverage. If you select this kind of added coverage on your home or renter policy, you will have the added benefit...

Understanding The Different Types Of Surety Bonds

If you are in business in any of a wide range of industries, surety bonds are likely to be part of your business insurance package. These bonds are used in a variety of business situations in which an additional guarantee for the quality of service or products is required. The following is some basic information about the different types of security bonds used in business...

Staying Safe When Passing A Roadside Accident

Accidents on the road can cause traffic congestion and delay your travels. They can also create hazardous conditions that lead to additional wrecks. The following are some tips for keeping yourself and your passengers safe when you encounter a roadside accident, construction, or other delays on the road. Don’t Get Distracted If You Are Stuck In Traffic A wreck on the highway, road construction, lane...