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Is Your Home Properly Insured?

  Here are some tips to help you make the right choices about homeowners insurance. Just as there are different home styles, insurers offer a menu of different policies. For the majority of single-family homeowners, the most appropriate policy is the HO-3, sometimes called the Special Form.  It insures all major perils,

A Conversation with Your Insurance Agent – 5 Things to Discuss

As an insurance professional, I read a lot of blogs by other insurance professionals and insurance carriers.  Browsing my favorite blogs the other day, I came across one from Enhanced Insurance that was particularly interesting to me.  Below are some topics from their blog that any well-informed insured should speak with their

Jewelry Coverage – Blanket vs. Scheduling

  Many of us have at least one piece of jewelry with significant value.  And almost as many have felt the sure fire panic associated with a piece of jewelry gone missing.  Most of the time, we find it laying next to a sink or in the bottom of a suitcase, but what would happen if

Cyber Attack: Is Your Company at Risk?

We have all seen the stories about companies that have had HUGE problems because they didn’t protect the personal information of their customers while in their control. In a well-known case, Target just agreed to pay $20,000,000 to settle a claim from a 2013 data breach. Is your business at risk

Operations Audit

A new growing season is upon us and we thought you should take a moment and rate your company’s performance in the following areas. If you have any concerns, we can help. Cal –Osha / Compliance How confident are you that you are fully compliant with Cal-Osha regulations and record keeping?   How confident

Renters Insurance – Protecting Landlords & Tenants

  According to a 2014 Insurance Information Institute poll, only 37% of Renters said they carry renters insurance, while 95% of Homeowners carry homeowners insurance.  Plainly said:  63% of Renters polled would have no protection to help replace their belongings following a major loss. It's important to understand that if you rent, the

Is Your Home Underinsured?

  Underinsurance is defined as the limit of insurance being insufficient to replace or fully repair damages caused by a covered peril, such as fire, wind, theft, etc. I recently read a blog from Enhanced Insurance that I found extremely interesting and helpful, considering we deal with this subject on a daily

Damage Caused by Rain or Windstorm?

  Rain and wind - Rain and windstorms can create massive destruction. When this damage occurs, many people find themselves wondering what is covered and what is not. Most property insurance covers damage from rain and windstorms. However, there are many exclusions and limitations contained in the policies that are unique