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Insurance Blog

Please read our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

What Does Commercial Umbrella Insurance Cover?

Your business is protected by your business insurance – but is it enough? A commercial umbrella insurance policy provides coverage when a claim exceeds the limits of your other policies. This type of policy is typically quite affordable and offers a critical level of protection against losses from substantial claims or lawsuits.  Do You Need Commercial Umbrella Insurance? A liability claim filed against your business...

Hurricane Season Is Here

Hurricane season started June first and runs through November. Everyone needs to expect the worst and hope for the best. Preparation is the key. Insurance and Disasters It is safe to say that most business and homeowner’s insurance policies do not cover the risks associated with hurricanes. You need to add this coverage to your insurance policy package.  Flooding is also excluded and will need...

Do I Need Boat Insurance for a Non-Motorized Boat?

Depending on where you live, you may not be legally required by the state to carry boat insurance for a non-motorized boat, but that is not the only reason to insure your boat. If you have invested in a sailboat, kayak, canoe, or RIB (rigid inflatable boat), boat insurance will protect your investment if the watercraft is damaged during an accident. It should also protect...

Flood Insurance Do You Really Need It?

Many businesses and homeowners go without flood insurance. They figure the odds are low that anything will happen. Some people may think that a flood is covered under their current policy. Let us correct you; unless you have added the coverage, it is excluded. We agree that the probability is low, none the less, it does exist. Some mortgage companies may even require flood insurance,...

Interesting Insurance Facts

Many people think insurance can be a little dry. Well we want to help change that. Here are some interesting insurance facts you may not have thought of. Starbucks pays more for employee health insurance than it pays for coffee. Although the concept of insurance can be traced back to ancient civilizations, the first known insurance contract was signed in 1347 in Genoa, Italy. Did...