Does my business need umbrella insurance?
One of the questions we often receive is whether or not a business should purchase an umbrella policy for additional limits of insurance. Depending upon the size of your company, the standard $1,000,000 per occurrence and $2,000,000 aggregate limits may be adequate; however, there are also situations where your company should really consider adding an umbrella insurance […]
What type of insurance do I need if I rent out my home?
There are many reasons you might want to rent out your home on either a short- or long-term basis. Depending on the rental scenario, your standard homeowners policy may not cover losses incurred while your home is rented out, and you may require a more specialized insurance policy. Short-Term Rentals/Primary Residence If you are planning […]
What is coinsurance?
Coinsurance is a clause built within every property insurance policy. If you don’t carry the proper property insurance limits, this clause will cause significant headaches when trying to settle claims. What is Coinsurance? Coinsurance is a contractual requirement within your policy that you agree to insure your property at the correct limits, typically specified by […]
Filing an Insurance Claim
Nobody wants to ever file a claim on their insurance. However, if you do, we recommend following these steps: Call your insurance agent as soon as possible, regardless of who is at fault. Even if the accident appears minor, it is important that you let your insurance company know about the incident. Ask your agent […]