Skip to the content

Archives: June 2020

Hurricane Season Is Here

We are moving into Hurricane season and we to remind you of how important it is to have the right kind of insurance and to be prepared. Hurricanes bring two big problems: water and wind. Depending on where you live, you may need to buy these separate policies in order to cover hurricane damage: Flood insurance: No homeowner’s insurance policy will cover floods, including water from a storm...

How To Celebrate July Fourth Safely

Fireworks during the Fourth of July are as American as apple-pie, but did you know that two out of five fires reported on that day are started by fireworks, more than for any other cause? So you think it cannot happen to you? Here are a few facts: In 2019 over 9,800 people went to the emergency room as a result of fireworks related injuries....

Flood Insurance For The Homeowner

Did you know that floods are the most common form of natural disaster?  Floods cause over     $4 billion dollars in damages ever year. Here is another amazing fact; the average homeowner has a 1 in 4 chance of having flood damage during the timeframe of a 30 year mortgage. If your home is in a flood zone, you must buy flood insurance if you want...

How Is Contractors General Liability Insurance Different From Standard Commercial Liability Insurance?

Any business needs general liability insurance. Contractors, subcontractors, and independent tradesmen need this type of coverage, not only to protect their business, but often as a requirement for the job. Trades that need contractors general liability insurance include construction, carpenters, plumbers, electricians, painters, and masons. What Is Standard Commercial Liability Insurance? Commercial general liability (CGL) insurance protects a business from financial loss due to liability...

The Future of Risk

Business Insurance Trends The business insurance world is changing at a fast pace. Technology is continually evolving and businesses must change or die. New technology also brings change in claims and litigation. Often lawsuits filed today are indicators of business liability claims tomorrow. Business Insurance Business or commercial insurance coverage is available for almost every conceivable risk your business might face. The cost and amount...