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Myth or Fact: Your Techology Company is Fully Protected Under Your General Liability Coverage MYTH! Often times, owners of companies, specifically technology companies, are not aware of the differences between a General Liability policy and a Professional Liability policy. Unfortunately, this usually means a costly process during the time of a claim.   A Professional

That’s Entertainment

Thursday, 10 May 2012 by

From the smallest towns to the largest cities; there’s the repeated scene of a bar or club filled with people. They gather to eat, drink and to be entertained. Three sources of entertainment are still quite popular; live bands, DJs and karaoke. While many performers who provide these services do so as a full business

Internet Insurance Information

Wednesday, 11 April 2012 by

The Internet, due to this medium’s connection to savvy, technologically astute consumers, has become an ideal method for promoting and selling insurance products. However, even as greater advantage is being taken of electronic insurance transactions, it is important to keep a bit of old, yet still excellent advice – “Let the buyer beware.” Possible Danger

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Professional Liability

Wednesday, 04 April 2012 by

Professionals, such as doctors, lawyers and accountants, along with a growing number of other occupations, work in fields that need special protection. Pharmacists, architects, engineers, opticians, beauticians, insurance agents, and various types of consultants are frequently sued due to the high standard of accountability under which they operate. In most instances, a type of coverage

Credit Based Insurance Scoring

Tuesday, 28 February 2012 by

Insurance companies use different sources of information about a person that supplements an application. For auto coverage, motor vehicle reports are ordered. For home coverage, physical inspections may be needed. Another tool that is widely used for underwriting is credit-based scoring. Use of this method was once controversial but, by and large, it has gained

Non-Owned Auto Coverage

Monday, 13 February 2012 by

Employees routinely use their own vehicles in their jobs or just to run errands for their employer. Does your company have protection in case of an accident and both your worker and your company are sued? If your company has a business auto policy, it should include coverage for ‘non-owned’ automobiles. These are vehicles owned

Hold Harmless Agreements

Friday, 10 February 2012 by

If you want to avoid the danger of something negative resulting from pursuing an activity, the safest action is…..don’t pursue the activity. Of course, choosing that option is impractical, unrealistic and boring. The quality of our lives is highly affected by how we choose to spend our time. Any activity involves a chance that a

Insurance Fraud

Wednesday, 01 February 2012 by

Insurance fraud makes victims out of insurance companies and their customers. In common terms, insurance fraud is lying to or deceiving an insurer in order to make money or to become insured. Some common fraud schemes include: “padding” (inflating the true amount of) a claim lying or hiding (concealing) important information when applying for insurance

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Check out our new TV commercial on Vimeo.  The commercial will be showing on channel 2 around the Today Show, Jeopardy, and the local news.

The Commercial Umbrella Policy

Wednesday, 28 December 2011 by

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 as an excess