Beware of Uninsured Contractors!

| Insurance Claims, Insurance education.

When looking for service providers to work on your home or other property, beware of uninsured contractors! One of our customers recently reported a rather scary situation that reinforces the need to hire only licensed, bonded, and insured contractors. An Injured Tree Trimmer A homeowner insurance customer had a young man knock on her front… Read more »

Hired Auto Claims

| Commercial Auto Insurance, Insurance education.

Even if your business does not own or operate vehicles, you could be pulled into hired auto claims by the negligence of others. The following is an example of real claim scenario that one of our contractor clients faced recently, and a reminder of why you should consider carrying hired and non-owned auto liability. What… Read more »

Handyman Insurance Tips

| Business Insurance, Insurance education.

Working as a handyman requires a wide variety of skills. From plumbing and electrical work to carpentry and drywall repairs, a handyman can do it all. Protecting your business requires the assistance of knowledgeable insurance partner, such as the professionals at Safeguard Insurance. Here are some helpful handyman insurance tips to make sure you have… Read more »

Why Buy Group Health Insurance?

| Health Insurance, Insurance education.

As a business owner you might be asking yourself, why buy group health insurance?  Well, the main reason is simple – your employees. For most businesses, their most valuable asset is their employees. Employees are easy to find, valuable employees are not.  Valuable employees can take years of searching, recruiting, and training. And they can be… Read more »

Event Insurance Tips

| Business Insurance, Insurance education, Special Event Insurance.

The foundation of a successful special event is good planning. Part of that planning should include an event insurance policy to protect the organizer from injury and property damage claims. At Safeguard Insurance, we’ve been providing special event insurance for 20 years and have covered over 1500 events. Here are some helpful event insurance tips… Read more »

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 »

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 »

Fast Claim Settlement Tips

| Auto insurance, Fire Insurance, Home Insurance, Homeowners Insurance, Insurance Claims, Insurance education.

Insurance claims are never fun. However, if something bad happens our goal is to make sure you are treated fairly and your claim is handled promptly.  To ensure that, here are 5 tips for a fast claim settlement that should help the process go smoothly. Report the incident quickly. The sooner you file the claim,… Read more »

Pet Groomer Professional Liability

| Business Insurance, Insurance education, Professional Liability.

In 2016, pet owners in the US spent $5.4B on grooming and boarding services. Truly, we love our pets and care for them like any other member of the family. Pet groomers are entrusted with the care of those pets and expected to provide services in a safe manner. However, sometimes mistakes occur and animals… Read more »

Understand General Liability Exclusions

| General Liability Insurance, Insurance Claims, Insurance education.

The commercial general liability (CGL) policy provides remarkably broad coverage for property damage and bodily injury claims. As with all insurance policies, understanding what is not covered is just as important as understanding what is covered. Because the CGL policy is the foundation of most business insurance plans, it is critical to understand general liability… Read more »