Selecting the Right Insurance Advisor for Your Business

By | General Insurance, Insurance

The insurance industry has seen dramatic changes in the past few decades. Choosing insurance has become a complex task, especially when it comes to ever-evolving issues like employment law, cyber liability, and professional liability. The right insurance advisor makes all the difference. An experienced advisor can explain complicated subjects and provide first-hand examples of situations they’ve seen. Instead of just shrugging your shoulders and taking a shot in the dark, you can pinpoint a perfect policy that fits your company’s needs. SEE ALSO: 5 Questions to Ask Your Insurance Agent About Umbrella Coverage Licensed and Educated A good insurance advisor is fully licensed in their state…

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5 Things You Need to Know About Renters Insurance

By | General Insurance, Insurance

Renters insurance comes in handy when the unexpected happens. From a house fire to a break-in, it’s important to know that your personal items are covered when it matters most. What’s more, covering your potential liability is equally as crucial. If you’re sued because of negligence or something completely out of your control, like a party guest breaking an ankle in your driveway, renters insurance can be your saving grace. Many insurance companies offer substantial coverage at an affordable rate, but there are still several things to consider before starting a policy. As a licensed insurance agent, I’ll share answers to five common – yet critical –…

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What is Cyber Liability and Data Breach Coverage?

By | General Insurance, Insurance, Professional services

Cyber liability. It might sound futuristic, but its time has come. To address a common misconception head on, it’s not limited to tech companies. Cyber liability coverage is a must for any business that handles sensitive client information— credit cards, customer records, and other confidential data. Nowadays, nearly every company deals with this sort of information as a part of the normal course of business. The Basics Cyber liability and data breach coverage provides protection against the costs your company can incur when a data security situation occurs. For example. say you run a small-town fitness center that charges cards…

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5 Questions to Ask Your Insurance Agent About Umbrella Coverage

By | General Insurance, Insurance, Professional services

Umbrella policies help cover your business for catastrophic losses, providing protection above your primary commercial-insurance policies. With the rising medical and legal costs associated with accidents, third-party lawsuits, and other severe loss exposures, it’s important to start a conversation with your independent insurance agent about umbrella coverage–and soon. But not sure where to start? Here are five must-ask questions to ensure you’re getting the coverage you need to keep your small business in the black when a catastrophic accident occurs. How much coverage do I need? This answer varies from business to business, depending on the size and value of…

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