Umbrella policies provide extra protection beyond standard coverage, and they are available in increments of a million dollars. Sometimes known as excess liability or personal liability insurance, umbrella insurance doesn’t stand alone. Instead, it adds another layer of liability protection on top of the liability built into other policies you have, including auto, homeowner’s or […]
Construction Firm Tips for Avoiding Insurance Disasters
When you’re in the construction industry you already have lots to worry about: Keeping your workers safe in one of the most dangerous industries, uninsured or underinsured subcontractors, and finding experienced employees from a shrinking pool of talent. Not only that, but lawsuits lurk in any project, exposing you to serious losses that can threaten […]
Have You Checked If Your Car Is Subject to Recall
Over the past five years, 150 million vehicles have been recalled by manufacturers in the U.S. It’s great that regulators and auto makers are constantly looking for issues that can cause danger to drivers and passengers, and recalls have likely saved thousands of lives. The problem is that not all drivers are taking the recalls […]
Protecting Your Valuables: Home Safe vs. Safe-Deposit Box
While most of us take steps to protect our assets from fire and theft, there are some items in your home that you likely cannot afford to lose in any circumstances. Think: birth certificates, passports, Social Security cards, tax documents and any collections of valuable items, like stamps or coins. Often we default to using […]
Plan Now for Your Child’s Insurance at College
If your child is gearing up to attend college, they will leave the comforts of home to likely be on their own for the first time. And while they and their belongings have been under the protective custody of you and your insurance, now that they will be living away they may not be as […]
A Hacker’s Tips on Keeping Your Personal Data Safe
One big concern for all of us these days is online safety and protecting our personally identifiable information and credit card information. Not only that, but clicking on a nefarious link on a website or in an e-mail can unleash a cyber attack on your computer with bots rifling through all of your files. In […]
Insurance and Planning a Major Voyage in Your Yacht
If you own a yacht and have been pining to take it on an extended voyage, you will want to report your plans to your insurance company, otherwise you may not be covered if you have an incident. When you purchased your yacht, or last renewed your policy, you were most likely required to declare […]
Catalytic Converter Thefts on the Rise
People typically lock their cars when they park them to safeguard personal items and components inside the vehicle. Increasingly, however, criminals are less interested in what’s inside the car than they are in what’s underneath it – the catalytic converter. The National Insurance Crime Bureau has reported that thefts of catalytic converters jumped by 325% […]
Safety Strategies for Heavy Equipment
The safe use of heavy equipment is critical when machinery such as bulldozers, graders or ground-moving equipment is used in the construction of new homes, bridges, shopping malls or other commercial buildings. The size and weight of these heavy machines make them extremely hazardous, and proper operation is required to avoid serious injury or death. […]
Drowsy Driving Now Classified as Impaired Driving
The National Highway Traffic Safety Administration now classifies drowsy driving as “impaired” driving, putting it in the same category as driving under the influence of drugs or alcohol. The dangers of drowsy driving are real and the NHTSA estimates that it contributed to the deaths of 5,000 Americans last year. Drowsy-driving accidents cost an estimated […]