Home » Archive by Category "Insurance Coverage Topics" (Page 3)

Beware of Hazardous Materials Lurking in Drywall

Installing and repairing drywall in a home or commercial property is an important part of renovation and construction. However, the dangers of working with drywall and its health exposures have come under scrutiny over the years, and rightfully so. Drywall contains toxic substances that can lead to further damage to a resident’s or worker’s overall

Why Do Contractors Need Their Own Insurance?

Independent contractors carry a lot of possible risk and potential liabilities with their operations, possibly holding over some of that risk to the business owners they are working for. From injuries to property damage, all parties involved face possible legal issues that can ruin a contractor’s reputation. A good line of defense to protect against

What Is Coinsurance for Commercial Property or Homeowners Insurance?

In regards to Commercial Property or Homeowners Insurance, coinsurance is a bit of a misnomer. In health insurance, it means you are literally coinsuring part of each claim up to a certain dollar amount. In property insurance, it's a bit different. In the video below, I will attempt to explain it in layman's terms.

Everything You Need to Know About Insuring Restaurants in Alabama

Shopping for restaurant insurance in Alabama is challenging if you don’t first know your exposures. There are many different types of insurance available, but it’s easy to get overwhelmed when you don’t know what you really need or don’t need. Below are a few of the most common exposures we see restaurants experiencing.

How to Manage the 3 Most Common Risks Faced by Every Business

If you own a business or are an executive or CFO for a company or non-profit, then you understand what we mean by business risk. We do believe there are three common categories of risk faced by almost every business: Loss of Property Lawsuits or Liabilities Employees In each category, we will describe what exposures to watch for, but also steps you may take to prevent or reduce the likelihood and impact of these threats to your bottom line!

How to Select the Right Insurance Agent

Ask These Four Simple Questions When Interviewing Insurance Agents

Top 2 Business Insurance Shopping Mistakes

Discover the Top 2 Mistakes When Shopping Business Insurance

How to Easily Read Your Insurance Policies and Discover Coverage Gaps

Insurance policies are written by lawyers, so naturally, they are IMPOSSIBLE to read!!! Until now..... Once you understand the basic format of commercial and personal insurance policies, then you'll be able to read your insurance policies like a pro.

4 Easy Ways to Save Home & Auto Insurance Costs without Sacrificing Coverage

Below is a list of four easy strategies you can implement to save money on your home & auto insurance costs right away without giving up valuable insurance coverage. When shopping insurance, it’s important to properly compare policies and coverage details. In addition to home & auto, there may be several other personal insurance types to group in with your shopping efforts, including:

10 Spooky Exclusions Lurking in Your Business Insurance Policies

The phone rings. It’s your Human Resources Director calling to inform you that 12 employees have filed a lawsuit against the company for “Wage and Hour” mishandling under the Fair Labor Standards Act. You immediately call your insurance agent and find out that your insurance policy doesn’t cover this claim. As a result, you spend $125,000 of your own money defending and settling the case. You could have purchased this additional coverage for $800 (annualized).

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