Flooding is not covered under your standard Homeowners Insurance policy. With the recent storms in Northern California, many may be concerned with the risk of flooding. Here are a few quick facts that you should know: Flood insurance has a 30 day waiting period before it is effective (some exceptions apply) The maximum
Many people assume their homeowner’s insurance policy will provide protection of personal property and personal liability for anyone residing in the household. This is NOT true and could result in unpaid losses and costly defense costs for both parties if a claim occurs. So who is covered under a homeowner’s policy?
Getting ready to take your motorcycle out of storage? Here are some tips on getting your bike road-ready for the spring! #1: Open the filler cap and look for gunk. If the fuel is questionable, it may be a good idea to drain the tank, fuel lines and carburetor. #2: Before starting
During the past 15 years, I have worked with thousands of dentists. Most of them purchased their Workers' Compensation insurance through their association. Did they do this because the association product offered the lowest rates? Definitely not! Did they do so because they received better claims service, better payment options,
The “Coming and Going Rule” basically states that when an employee is traveling to work or traveling home from work and they are injured in a motor vehicle accident, they are not covered by workers compensation. The injuries suffered are not compensable because the employer derives no benefit from an
Did you receive some really nice stuff for Christmas? Do you plan on getting a gorgeous piece of Jewelry for Valentine’s Day? Do you know if these items are covered on homeowners or renters policy? Many people are under the misconception that these items are covered when they actually may
A combination of low payrolls and rates have resulted in Work Comp premiums being near all time lows. In spite of this, businesses are ignoring the importance of broker and carrier service just to save a dollar by going with the lowest quote. This may seem like a good idea
Many people assume that when they purchase a vehicle, it is automatically covered by their Auto Insurance Policy. Most automobile policies require that the policyholder notify the insurance company or agent within a specified number of days, if indeed coverage is desired for the newly purchased vehicle. Another factor to consider
With the state of today’s economy who is not trying to reduce costs and save money? Just last night I spoke to a client that lost her job and no longer has to commute 14 miles one way to work. By adjusting her annual mileage and daily use, we were
Even if you don't own a home, you still have a lot at stake. After all, your personal belongings, like clothes, furniture and electronics, have significant value. And even though your landlord probably has insurance covering the building that you live in, that insurance does not include any coverage for