Are you using Drones in your business?
Are you using Drones in your business? If so, you may not have liability coverage under your standard policy. With the popularity of Drones being used for many applications in the business sector over the recent years, many insurance carriers have …
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Additional Insured…What does it mean?
In today’s litigious society, whether you are a plumber, an architect or a free-lance artist leasing a space for your first exhibition, often you will come across language in a lease/contract stating they must be listed as “Additional Insured”. What …
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Commonly Misunderstood Insurance Terms
We have all had a conversation where a lot of things are said that you just don’t understand or comprehend. And we have all had that conversation with our insurance agent. Not understanding some of the most commonly used terms …
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Employment Practices Liability
Employment Practices Liability is a type of insurance covering wrongful acts arising from the employment process. In today’s growing litigious society, employment related claims has being increasing steadily over the past 10 years. While standardly larger companies with high employee …
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Could your business still operate?
If your property location had no access to water, electricity, phone or internet…could your business still operate? When most businesses purchase a new insurance policy, or renew their current coverage, they are planning for the worst case scenario. They are …
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Do I really need Directors & Officers Liability?
Do I really need Directors & Officers Liability? Some small business executives believe that this type of policy, called D&O for short, is only for publicly traded companies. This is not true, privately held companies, regardless of size, aren’t exempt …
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Errors and Omissions
Professional liability insurance, also called errors and omissions insurance (E & O insurance), is a form of liability insurance that helps protects your business if you are sued for negligently performing your services. What Errors and Omissions insurance is? Most …
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Employee Dishonesty Coverage
You may ask the question, what is employee dishonesty coverage? It is an act of deceit by an employee. Most business carry insurance on their business personal property, but one of the exclusions under this coverage is for employee dishonesty. …
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Rental Property Insurance
Because your rental property is such an important investment, you want to make sure that it is properly protected. A natural disaster or kitchen fire can do a lot more than just cause serious damage to the property. It can …
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What is Employment Practices Liability Insurance?
Do I already have this coverage? Probably not… Employment Practices Liability Insurance, commonly referred to as EPLI, is an additional insurance coverage business owners can purchase to protect themselves from lawsuits brought against them by a current, former or possibly …
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Should you carry an Umbrella policy?
We use an umbrella for added protection against rain, sun and other weather conditions that can somehow affect us if we were not protected. Insurance Companies use an Umbrella policy in the same way. Essentially, it would offer added …
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What You Need to Know About Flood Insurance
If you’ve currently got a homeowners insurance policy, you may be under the impression that you’re covered in the event of a flood at your home. Unfortunately, while many homeowners insurance policies include coverage for water damage, most policies actually don’t cover …
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