According to Investopedia “a commodity is a basic good used in commerce that is interchangeable with other commodities of the same type… The basic idea is that there is little differentiation between a commodity coming from one producer and the same commodity from another producer. A barrel of oil is basically the same product, regardless… Read more »
Protect Your Assets With a Personal Umbrella Policy
Deciding to buy a personal umbrella policy is a peace of mind decision. Large liability claims are not common but they do happen and can be financially devastating. The simple solution is to protect your assets with a personal umbrella policy. Why do I need a personal umbrella policy? Lawsuits. Umbrella policies are aptly named… Read more »
EPL Protects Your Small Business
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
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 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
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 »
Car Insurance Shopping Tips
Car insurance shopping is not an activity most people enjoy. In the past, the process was often tedious and required hours of research. Today, however, shopping for car insurance is a far simpler process that can take just a few minutes. Here are some car insurance shopping tips to make the process go smooth and… Read more »
Auto Insurance for Good Drivers
Do you ever feel like your auto insurance company fails to reward you for having no accidents or tickets? If so, you are not alone. JD Power reports that overall satisfaction with auto insurance providers is lower in 2016 versus 2015, largely due to increasing prices. At Safeguard Insurance, we provide auto insurance for good… Read more »
Auto Insurance for Rideshare Drivers
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 »
Motorcycle Insurance Tips
If you a fan of life on two wheels you know there is nothing better than a long motorcycle ride to clear the head and de-stress. To make sure your bike is protected, we offer a few helpful motorcycle insurance tips to make you have the right coverage: Verify coverage for custom parts and accessories…. Read more »
Spring Clean Your Insurance Policies
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
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 »