Liquor Liability Coverage   Many businesses have the majority of their exposures against lawsuits covered by a standard, general liability policy. However, business owners and managers often overlook their responsibility for losses related to alcoholic beverages. A typical liability policy for a business excludes losses that involve: causing or contributing to the intoxication of any

Employment 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

Home Inspection Business A wide variety of businesses are run out of private residences and related structures such as attached or unattached garages, sheds and barns. For additional information on the type of businesses and coverage considerations, please take a look at our other articles on Home Businesses, parts one through nine. Except for very incidental

Yacht Insurance Proactive safety and security measures can go a long way in minimizing injury and costly damage. In conjunction with safety and security measures, did you know there are a range of yacht loss prevention services offered by insurance companies? An analysis of claims filed by yacht policyholders showed that many unfortunate scenarios could

Cheap Auto Insurance Policies Thanks to Smart Cars and Technology   From the first time a parent, caretaker, friend or professional instructor lets us behind a car’s steering wheel, a concern for safety is drummed into our heads. Watch for pedestrians, keep your hands on the wheel, wear your seat belt, don’t be distracted, obey

Commercial Umbrella Insurance Policy A Commercial Umbrella Liability policy is a coverage option that should be seriously considered by businesses of all sizes. Liability claims and court decisions involving millions of dollars are no longer uncommon; any business can be found legally responsible for this type of judgment. A Commercial Umbrella Liability Policy increasingly referred to

Everything You Need to Know About Condo Insurance An accident-prone house guest or thieves in the night, annoyances come in many shapes and sizes, and condominium unit owners need dependable protection for all of them. When the unexpected happens…Anderson Insurance Associates has a plan for that. Most condo unit owners have some insurance protection under

Tornado Shelter Plans Homes may be built with solid craftsmanship and with the use of the best materials, but most residences offer little to no protection against a common hazard…..tornadoes. Recently, homeowners have begun to embrace the use of tornado shelters. Before discussing this protection method, here is some background information. In the U.S., tornadoes most

Coastal Insurance Homeowners Hurricane Tips Homeowners that live near coastlines face possibly loss by hurricane. Hopefully, any affected person will own a homeowner insurance policy to help deal with the crisis. However they must be aware of their responsibilities under the insurance policy in order to take full advantage of any available coverage. The main

 Avoid Flooded Vehicles in Charleston, South Carolina When serious storms or hurricanes result in local or regional flooding, the impact on the car market may be felt nationally. Cars that may have been totaled because of serious water damage in one state may end up on the seller’s block in another state. However, there may