Do you need optional insurance when you’re renting a car?

You’re standing at the car rental counter waiting to start your vacation when you’re asked a tricky question. Do you want to buy car rental insurance? How will you answer? If you have auto insurance, your policy may already cover damage to a rental car, but the coverage might be less than the value of…

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Are you a Barber or Barber shop owner?

Are you a barber renting a booth from a barber shop owner?  Or are you the barber shop owner responsible for protecting your space and business assets and employees? Whether you own your shop or rent a booth, General Liability is an important coverage. This protects you and your employees from third party claims, claims…

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Earthquakes don’t happen where you live or do they?

According to the U.S. Geological Survey, earthquakes pose a significant risk to 75 million Americans in 39 states. In fact, from 2002 to 2012, earthquakes of 4.0 magnitude or greater occurred in 23 U.S. states. While the damage isn’t usually severe, each tremor leaves local residents asking, “What if it’s bigger next time?” The U.S.…

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Tis the Season to be Jolly and Responsible!

Liquor Liability – is special coverage needed? Any person or business entity that sells or furnishes liquor to a guest has a civil and legal duty to do so responsibly. That legal duty is spelled out in various “dram shop” laws passed in 43 states and in court decisions that guide the other states. A…

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Do you have enough coverage to rebuild your home?

Imagine how devastating it would be to lose your home in a fire. Now imagine not being to able to rebuild it completely because you didnt have the correct amount of insurance. Selecting the proper amount of coverage is the single most important decision you can make with your homewowners policy. Without it, you may…

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Insuring Your Car When Your Teen Driver Delivers Pizza

If your teenager earns money using your car- perhaps delivering pizza (or groceries, newspaper or fast food) – you are going to need more that just your personal auto policy for insurance. The fact that your car is being used in order to make money, even if it’s just on weekends, means you will need to…

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Automobile Liability Limits

Automobile Liability is the coverage that pays for bodily injury and property damage that you, your family, or a permissive use driver of your vehicle cause while driving your car. In the event you are sued, the liability will pay for any legal expenses and court costs that you may incur. The minimum automobile liability…

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