EPL Protects Your Small Business

| Business Insurance, Employment Practices Liability, Insurance education.

Small business owners are not immune to employment related litigation. Employees that feel discriminated by an employer – whether factual or not – are free to file a complaint with the EEOC and seek other legal remedies including litigation. The cost to deal with complaints and litigation is staggering: defense and settlement costs of $75,000 per… Read more »

Tavern Insurance Tips

| Uncategorized.

Tavern and bar owners understand the importance of a comprehensive insurance plan. After all, the list of potential claims is worrisome: liquor liability, robbery, altercations with patrons, fire, employment disputes, and premises liability. To help better protect your business, here are some tavern insurance tips to consider when shopping for bar and tavern insurance. Do… Read more »

What does home insurance cover?

| Home Insurance, Homeowners Insurance, Renters Insurance.

Home insurance is one of those policies most people buy and forget about it. It is often paid by a mortgage company and the frequency of claims is low, especially when compared to car insurance. However, home insurance is a complicated insurance policy that protects one of your largest assets. So, what exactly does home insurance cover?… Read more »

Understand Rideshare Insurance

| Uncategorized.

Rideshare services such as Uber and Lyft have grown quickly, surpassing taxicab use by travelers. This growth presents rideshare drivers with a fantastic opportunity to earn additional income. However, using a personal vehicle for passenger transportation also creates some insurance challenges. If you drive for Uber or Lyft, it is critical you understand rideshare insurance… Read more »

Auto Insurance for Rideshare Drivers

| Auto insurance, Rideshare Insurance.

Driving for a rideshare company like Uber or Lyft can be a great business opportunity. As independent contractors, TNC drivers work when they want and where they want. This convenience for drivers and customers has made Uber and Lyft very popular and successful. However, drivers should understand the exclusions, conditions, and limitations of auto insurance… Read more »

Spring Clean Your Insurance Policies

| Auto insurance, Business Insurance, Flood Insurance, Home Insurance, Personal Umbrella Insurance.

When was the last time you pulled our your insurance policies, dusted them off, and read cover to cover? If you are like most consumers the answer is probably never and that means it is time to spring clean your insurance policies. Insurance, whether for your personal or business needs, is never meant to be… Read more »

Property Insurance Cause of Loss Form

| Business Insurance, Commercial Property Insurance, Insurance Claims, Insurance education, Landlord Insurance, Uncategorized.

Attached to every commercial property insurance policy is a cause of loss form that determines which perils are covered and which are not. There are 3 forms in common use: basic form (CP1010), broad form (CP1020), and special form (CP1030). It is critical that a policyholder understands the property insurance cause of loss form attached to their policy… Read more »