Social Media Liability Part One Your chances of suffering a loss is increasingly affected by the Internet and, particularly, social media. Increasing your awareness of social media liability loss exposures may help you to minimize or avoid them. Social Media Liability refers to claims for libel, slander,
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Last week a couple of our agents attended the annual convention for insurers of South Carolina and picked up a couple of helpful brochures from the South Carolina Department of Insurance. Here is some useful information we would like to share with you: Types of Homeowner’s Coverages
Read more →Homeowners Insurance Lingo It is important to understand your Homeowners Insurance policy and be aware of all the exclusions and limitations it may contain. Knowing the meaning of all the specific terms and definitions will provide insight into your coverage’s ins and outs and make you feel
Read more →Most insurance policies are designed to cover the following: single individuals traditional married couples traditional family – husband, wife, children relatives sharing the same household However, when two or more unrelated individuals live in the same residence and/or share the use of the same vehicle(s), the coverage
Read more →Umbrella insurance only works properly when the primary (underlying) coverages are maintained. In fact, the obligation to make sure proper support remains in place is part of the umbrella insurance contract. It is found in the policy’s “Maintenance of Underlying Coverage” provision. The provision typically refers to
Read more →Unlike accidental events that result in a person suffering a serious injury (called Bodily Injury) or property that is damaged or destroyed (called Property Damage); Personal Injury usually involves one person’s alleged interference with another person’s legal rights. It also applies to incidents that damages another person’s
Read more →When the topic of exotic, ideal locations for vacations comes up; island paradises and tropical locales are always popular. The water, the beaches, the warm winds are very attractive conditions. However, they are also the originating locales for tropical storms and hurricanes. The dark side of the
Read more →If you own a home; you’ll want to think about the best way to insure it. One goal is to match your needs to the right company. Some companies like new, high-valued homes while some companies do well with older or historic preservation homes. Others are comfortable
Read more →Many different activities are routinely run out of homes. This discussion reviews aspects of particular operations. See part one for background information on coverage basics as well as the other parts discussing different businesses. Sales Office Usually an HO policy does not offer much protection for business
Read more →Do you need flood insurance? Well, walk to the nearest mirror and ask the person you see if he or she owns much property that could be damaged or destroyed by water. If the answer is yes, then you should seriously consider buying flood insurance. Most persons
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