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Business Insurance
Rear-end accidents can cause serious harm to people and property, and can result in significant costs for business owners. If your employee is at fault for a collision while on work duty, your business could be held financially responsible – no matter if that employee is driving a company vehicle or their own
Personal Insurance
Gravel, rocks and various forms of debris can come flying toward your car when you least expect it and leave quite the mark on your windshield. Since windshields with cracks are the most frequent auto insurance claim in the United States, we’ll help you know know if you need windshield repair or windshield replacement.
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Business owners know that having insurance is essential. Without it, they have to pay out of their business’s pocket. And the unfortunate reality is that a single issue can create a huge expense. Still, we would like to keep the cost of your financial protection as low as possible and may wonder, “How is an insurance premium calculated?”
If you’re reviewing an insurance policy, see the word “subrogation,” and wonder what it means, you’re not alone. Subrogation in business insurance is a crucial concept that every business owner should understand. Subrogation refers to the insurer taking the place of the insured to pursue compensation from an at-fault party. Read on to learn what this means for your business.
A commercial liability insurance policy pays for losses arising from bodily injury and property damage – real or alleged. If you’re considering a business liability insurance policy, it helps to know the terms and phrases used to describe these products. Here are some important liability insurance terms and definitions to know.
Rear-end accidents can cause serious harm to people and property, and can result in significant costs for business owners. If your employee is at fault for a collision while on work duty, your business could be held financially responsible – no matter if that employee is driving a company vehicle or their own
Cyber incidents—including data breaches, ransomware attacks and social engineering scams—have become increasingly prevalent, impacting organizations of all sizes and industries. As these incidents continue to rise in both cost and frequency, it’s crucial for organizations to take steps to address their cyber exposures and bolster their digital security defenses.
Business owners need to protect their businesses from potential costly motor vehicle accidents involving hired or non-owned vehicles. Hired autos are the vehicles a company rents, leases, or borrows for business purposes. Non-owned autos are vehicles that employees personally own and use to conduct business for their company.
The integration of artificial intelligence into business operations has become increasingly common. By integrating AI, companies hope to enhance their decision-making processes, improve governance, and ensure more effective oversight. However, AI’s advancement poses new risks that companies should consider.
For small business owners, the costs of providing health insurance for you and your employees can vary depending on multiple factors, but it’s almost always a significant expense. Regardless, health insurance is still a benefit many small business owners strive to offer their employees, helping them to attract and retain top talent.
According to Aon’s annual Weather, Climate and Catastrophe Insight report, U.S. and European damage from natural disasters in 2023 totaled $380 billion. Losses from natural catastrophes in 2023 totaled $380 billion, well above century averages. Read how you can protect your business from these unplanned costs.
Falls take around 12,000 lives and cause more than 30,000 disabling injuries annually, reports OSHA. Those numbers don’t even approach the number of lesser injuries caused by slips, trips and falls every year. So, consider stepping up your efforts to keep walking surfaces clear and dry — and employees and customers safe.
Replacing and repairing your windows is an inevitable part of homeownership. Do you know when you can and can’t get your windows replaced or repaired under your home insurance policy? We have the answers for you, plus some home maintenance tips for preventing window damage and replacing windows in a timely manner.
Gravel, rocks and various forms of debris can come flying toward your car when you least expect it and leave quite the mark on your windshield. Since windshields with cracks are the most frequent auto insurance claim in the United States, we’ll help you know know if you need windshield repair or windshield replacement.
Your roof is more than just a covering; it's your home's primary defense against the elements. From scorching sun to torrential rain, your roof endures constant exposure, making regular maintenance critical. Failing to maintain its condition can lead to costly repairs, structural damage, and even compromise the interior of your home.
If a tree falls on your home, it could cause damage to your property or even injure someone. So you may be wondering if your homeowners insurance policy will cover the costs of tree removal and repairs. Read on to learn more about when homeowners insurance covers tree removal, and when it does not.
Your sump pump might not be the flashiest appliance in your home, but its role in keeping your basement dry and safe from flooding is undeniable. A well-maintained sump pump can be the difference between a minor inconvenience and a major disaster. But do you know how they work, when they need maintenance, and how they impact your homeowners insurance? T
The American Veterinary Medical Association states there are nearly 90 million dogs living in U.S. households. About 4.5 million people are bitten by dogs each year, most of them children. Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits. Some insurance companies will not insure homeowners who own certain breeds of dogs categorized as dangerous, such as pit bulls.
In most states, when an accident occurs one party is usually considered "at-fault" and must cover the injuries of the other driver and their passengers. In some states, known as "no-fault" states, medical bills are covered by each driver's individual personal injury protection coverage instead of the at-fault driver's insurance.
Homeowners insurance may pay for hail damage to your roof, siding, and any other part of your property, minus your deductible. Hail is typically a covered peril on standard homeowners policies, but your policy may have a separate deductible for damage caused by hail — especially if you live in an area prone to hailstorms.
Other Structures coverage provides financial protection for structures on your property that are separate from your main dwelling (i.e. not attached). Other Structures covered under Coverage B include: Detached garages, Sheds and workshops, Barns, Gazebos, etc.
Harsh winter months take a toll on your vehicle’s battery, tires, fluids, and overall performance. As the seasons change, your car needs a little extra attention to recover from winter’s impact and prepare for spring’s varying conditions. A spring car tune-up checklist can help you keep your vehicle in top shape, improve safety and efficiency, and avoid costly repairs.
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