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 »

Can I be sued for more than my auto insurance liability limit?

| Auto insurance, Auto Safety.

Can I be sued for more than my auto insurance liability limit? This is a question we hear occasionally and the short answer is a resounding yes. We recently had a customer call our office to lower her auto insurance liability limits to the basic state minimum. Her reasoning was that she could not be… Read more »

Employee Injuries and the Course and Scope Rule

| Business Insurance, Insurance Claims, Insurance education, Risk Management, Workers Compensation Insurance.

At some point, nearly every employer will have an employee report an injury and seek treatment under a workers compensation policy. Every US state has “industrial insurance” or workers compensation laws that define the benefits payable to the injured worker (NRS 616 in Nevada). While the benefits afforded to an injured worker can vary between jurisdictions, there is… Read more »