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
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
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?
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
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 »
Insurance is not a Commodity
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 »
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 »
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 »
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 »
Fast Claim Settlement Tips
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
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
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 »