Sometimes it is hard to understand how insurance premiums work. How the company decides the premium for the exposure they assume through the contractual transfer of risk is complex. Personal Lines policies, such…
If you have an automobile you’ve probably have had to undergo the process of buying insurance. Different coverage options can become confusing. Knowing how much insurance to buy can be…
Most people understand that a personal or commercial auto policy can provide coverage for damage to your automobile. Many, however, might not be aware that you must elect to purchase…
When your business grows to the point where you can’t manage all its aspects by yourself, employees come into the picture and may present opportunities and challenges, alike. Employees can…
I suppose that there are few people that have not heard about or bought product from a home-based business. The question came up in the office about how the standard…
Insurance is a complicated product. Whether you need a homeowners policy or a commercial package, there may be policy endorsements or additional coverages and policies that are needed to adequately cover…
Someone once said to me a certain insurance company would only insure “pig iron, underwater, for fire”. It might seem like an odd saying, but the gist is that the…
Ridesharing services are offering the general public a new convenient and economic method of transportation. Companies such as Uber and Lyft are also offering jobs for any individual who is…
A wide range of opinion exists among poultry producers as to the severity and/or continued presence of risk that Avian Influenza poses for their operations. Risk for Avian Flu Still…
Avian Influenza (Flu) is that ominous threat that rears its ugly head in the production poultry industry, and it is never at a convenient time nor is it an occurrence…
I get it. You called your agent because you needed to buy a piece of paper and a promise (an insurance policy) and you probably weren’t too happy about that…
How Businesses Today are Unknowingly Creating Coverage Gaps Recently, a new client expressed a misunderstanding about their prior insurance policies and the coverage they had been providing. The nature of…
