Deductibles have been an essential part of the insurance contract for many years. Understanding the role deductibles play when insuring a car or home is an important part of getting the most out of your insurance policy.  Deductible defined A deductible is an amount of money that you yourself are responsible for paying toward an insured loss. When...

In the chaos that follows a disaster, mistakes can be made that may delay insurance reimbursement, or mean your insurance won't pay at all. Long delays can be deadly for a business trying to bounce back and get the doors open again. Here are the top seven mistakes business owners make in filing insurance claims: 1. Not contacting your insurer...

To understand the need for Ordinance and Law coverage we first need to look at the insurance agreement.   The important parts to consider include: Coverage is provided for direct physical lose to tangible property.  And two the loss settlement provision will provide reimbursement for like kind and quality So if your building is struck by lighting...

Effective staff recognition ideas have the potential to completely change your company's culture - for the better.  Take a long, hard look around your organization. Do you see your employees: Struggling to complete work in a timely fashion? Running low on creative ideas or inspiration? Asking for more benefits?  Quitting their jobs in record...