Terminology Tuesday – Declarations Page

It is possible that someone has requested a declarations page from you before, and you might have had no idea what they needed! I know before I started my career in insurance, I would have had absolutely no clue what that phrase meant, so you would not be alone. A declarations page (often shortened to […]
Read more
Tenant Insurance

Tenant Insurance – Why?

You may be thinking, my landlord has insurance, why do I need my own policy? The main reason is that your landlord’s policy is not going to cover anything you own on your own! Their commercial property policy will cover damages to the building and to their business personal property, but your own property will […]
Read more

Why Would I Need Earthquake Insurance?

Earthquake coverage is not usually covered on either a homeowners or commercial property policies, so if you live or own a building near an earthquake-prone area, this is definitely a coverage you are going to need to purchase. Earthquake insurance can be purchased either as an endorsement to your policy or as a standalone policy. […]
Read more

Construction – Risky Business!

If you are in the construction business, you have probably heard of a builder’s risk policy, but maybe are not familiar with all the ins and outs of what it covers, so that’s what we will discuss today. A builder’s risk policy is a type of inland marine coverage that is specifically meant to cover […]
Read more

To Tow or Not to Tow, That is the Question

If you are thinking about starting a towing company, there are several different things you will need to think about before you open for business. Operations What type of towing do you plan to do? Will it be all private passenger vehicles, or will you also tow commercial vehicles? Will you be available 24/7? Will […]
Read more

Feel the Burn!

Wildfires – What to Do When You’re in the Danger Zone If you find yourself in the path of a wildfire like the horrible ones raging in California right now, there are several things you can do to try to lessen the damage to your property. Before a Fire Starts Make absolutely certain your Insurance […]
Read more

Don’t Get High On Your Own Supply – Cannabis Insurance 101

Now that cannabis/marijuana is legal in most states, insurance companies have had to come up with entirely new rules and policy information to cover its growth, distribution, sales, and use. It’s a whole new world! If you are considering starting your own cannabis-based business, here are a few of the coverages to consider purchasing, according […]
Read more

Terminology Tuesday – What is a Deductible?

Everybody has heard the term deductible, but what does it really mean? How does it affect your policy and you, personally? A deductible is defined by the Oxford English Dictionary as “a specified amount of money that the insured must pay before an insurance company will pay a claim.” Easy enough to understand, but what […]
Read more

Cyber Security Insurance

What exactly is cyber insurance? Why do you need it? What does it cover? These are just a few of the topics I would like to go over today. A quick overview of cyber insurance is that it covers technological breaches and other types of cyberattacks on your computer system(s). It may not be able […]
Read more