"Blog" Archives

  1. Antique and Classic Car Insurance

    by Elaine

    Category: Blog

    Since you have purchased a classic or antique vehicle, you’ll want to insure it properly, as it is an investment. Coverage Inclusions A typical classic car insurance policy includes the following: Agreed value coverage: Pays for the car’s full-insured value with no depreciation in the event of a total loss, less your deductible. Inflation guard: […]

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  2. Auto Claims After a Car Accident

    by Elaine

    Category: Blog

    Auto insurance is meant to protect you by covering your bills after an accident. However, the amount of compensation can vary greatly depending on the type of claim that’s made by insurance carriers and the value of your vehicle. The decision to have your vehicle repaired or declared a total loss directly impacts how much […]

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  3. Why Are Auto Insurance Prices Rising?

    by Elaine

    Category: Blog

    Inflation will cause the price of all insurance policies to rise slowly, but you may have noticed that your auto insurance has risen more than normal lately. Most lines of insurance cycle between soft and hard markets over a number of years, which has a direct impact on the price you pay. Now, the auto […]

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  4. NEWSBRIEF: U.S. Aftermath of WannaCry Ransomware Yet to be Seen

    by Elaine

    Category: Blog

    The WannaCry ransomware that has spread across 150 countries since Friday has appeared to slow down, but employees starting the workweek should be careful, as the effects in the United States are yet to be determined. WannaCry locks users out of their computers by exploiting a vulnerability in outdated versions of Microsoft Windows. It then […]

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  5. Understanding Non-owned and Hired Automobile Liability Coverage

    by Elaine

    Category: Blog

    Does your business have potential automobile loss exposures that you are not aware of? You’ve taken all of the necessary steps to ensure that your own fleet operation is properly covered in the event of an accident. But what about the potential loss that arises from individual employees who operate their own personal vehicles for […]

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  6. Frequency, Severity and Your Commercial Auto Insurance Premiums

    by Elaine

    Category: Blog

    Auto insurance rates are based on several factors, frequency and severity of crashes, auto repair costs, medical and hospital costs, lawsuits and court judgments, insurance fraud, vehicle type, and deductibles. This means that while your company’s inherent level of risk is a factor that affects the premium you will pay for auto insurance, that amount […]

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  7. Driving Personal Cars for Business Use – A Good Idea?

    by Elaine

    Category: Blog

    There are many situations in which an employee drives his or her personal auto to perform a business-related task or activity: travel between worksites, client visits, transportation of clients, travel home from work-related events and even quick stops to pick up food for a meeting. It is important to consider the risk that  assumes in […]

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  8. Coverage Considerations for TNCs

    by Elaine

    Category: Blog

    Transportation apps such as Uber and Lyft that allow you to request a ride using your smartphone are becoming increasingly popular – and also controversial. Considered a type of ridesharing, a company that uses an online-based platform to connect passengers and drivers for transportation services (using the driver’s personal vehicle) is now commonly called a […]

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  9. Protect Against Risks With an Umbrella Policy

    by Elaine

    Category: Blog

    man drawing umbrella over family

    In the event that someone is injured on your property and you are found legally responsible, you could be faced with a costly financial burden. In fact, without a personal umbrella liability insurance policy, any expenses beyond the limits of your standard policy are your responsibility. This applies to your homeowners, renters, automobile and watercraft […]

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  10. Umbrella Insurance for your Business and Peace of Mind

    by Elaine

    Category: Blog

    In a culture where litigation is commonplace, business owners have many more worries than making profits and retaining top employees. If your product injures a consumer, your organization could face a devastating lawsuit, exponential damages and a tainted reputation in the marketplace. To assist with the financial burden of a claim, many business owners purchase […]

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