January 30, 2017
AgencyCompare quotes to get best price
We recently quoted a client’s auto insurance, he also received a quote from Auto Club. The rating information was the same for both Companies however Mercury does not offer an annual policy and does not offer a per person bodily injury liability limit of $500,000. So we quoted at $250,000 per person and $500,000 per accident. Auto […]
February 15, 2017
AgencyMotorcycle Danger, Spliting Lanes
Persons who operate motor vehicles, all kinds of vehicles such as sedans, pickups, coupes, SUVs, minivans and motorcycles, all share public roads and many take advantage of the protection of vehicle insurance. While it helps both individuals and society as a whole to have insurance, its protection is still limited. It can pay to repair […]
February 18, 2017
AgencyNeed Flood Insurance?
Do you need flood insurance? Well, walk to the nearest mirror and ask the person you see if he or she owns much property that could be damaged or destroyed by water. If the answer is yes, then you should seriously consider buying flood insurance. Most persons who need the protection buy coverage offered by […]
March 7, 2017
AgencyHow Much Are Your Possessions Worth?
In order to properly value your personal possessions, you have to go through the tedious, difficult process of documenting what you own. The following list could be very helpful in identifying what you own and, more importantly, be used as proof of loss in case disaster strikes such as a serious storm, theft, or fire. […]
March 13, 2017
AgencyThe Standard Property Policy
The popular Commercial Package Policy (CPP) may not be available because of your building’s size, age, construction or its contents. Fortunately there is an alternative, the Standard Property Policy (SPP). Besides commercial buildings, the SPP also covers completed building additions, property used for maintaining or servicing the building (such as mowing or painting equipment), permanent […]
March 24, 2017
AgencyControlling Car Insurance
You may be frustrated with car insurance premiums and factors that cause increases, such as: Your insurance company’s overall loss experience (due to more claims) The increased value of newer model cars, particularly SUVs and models with smart car features Increases in judgment amounts awarded in auto lawsuits Increased business processing and administrative expenses Auto […]
March 28, 2017
AgencyEmployment Practices Liability
Hiring and firing practices are the legal minefields that are best navigated by the use of Employment Practices Liability Insurance (EPLI). It is important that a business has clear policies that are applied consistently to each employee. Such policies must directly relate to their job. Do you know what type of decisions could trigger a […]
April 8, 2017
AgencySocial Media Liability – Part 1
Your chances of suffering a loss is increasingly affected by your use of the Internet and, particularly, social media. Increasing your awareness of social media liability loss exposures may help you to minimize or avoid them. Social Media Liability refers to claims for libel, slander, harassment, invasions of privacy, violations of intellectual property rights, and […]
April 18, 2017
AgencySocial Media Liability – Part 2
See part 1 which discusses the meaning of social media liability. Social media liability claims can be complicated and expensive since they may involve historical postings. In these instances, defense costs may include electronic discovery or subpoenaing information from any applicable social networking sites. Expenses could expand if a party filing a lawsuit demands information […]
May 10, 2017
AgencyWorkers Compensation Coverage
The workplace is an extremely common setting for a person to be injured. The Workers Compensation and Employers Liability Insurance Policy are used to provide insurance coverage for a company’s statutory liability (coverage responsibility) under a Workers Compensation Act. It usually involves paying for medical treatment and disability. It also handles lawsuits from injured workers […]