Sep 23

Realtor walks through a vacant home with couple.

Insuring Homes for Sale | Insuring Vacant Homes

Many homeowners’ insurance policies do not protect the home after you have moved out. Insuring vacant homes should be handled thoughtfully. Most areas of the U.S. are currently enjoying a strong real estate market and leaving a home empty while it is for sale is less likely to occur.... read more →

September 23, 2021
Personal Insurance (Home, Auto)

Sep 09

Hidden Liability Due to Employees’ Autos | Non-Owned Auto Liability

The most significant risks are sometimes the ones we don’t foresee, and vehicles owned by employees can represent just that. Even though the business doesn’t own these vehicles, if they are ever driven in support of the business, the business can be held liable. Courts have imposed non-owned... read more →

September 9, 2021
Business Insurance

Aug 27

Thunderstorm and rain move across a valley and town.

Flood Insurance Alternatives for Home or Business

Flood damage is not covered by standard home or business insurance policies. Though certain types of water damage are included, a separate flood insurance policy is needed for flood protection. However, few clients realize how many water events are considered a flood. In fact, thirty percent of all flood... read more →

August 27, 2021
Business Insurance, Personal Insurance (Home, Auto)

Aug 12

Business vehicle driver submitting claim on phone.

How to Report a Business Vehicle Accident | Bankers Insurance

Business vehicle accidents that are reported properly are settled faster and have less impact on future insurance pricing. Improper reporting delays payments and increases claim costs, thereby increasing future cost of insurance. Businesses should take ownership of business auto claims and manage them like other business processes, ensuring their... read more →

August 12, 2021
Business Insurance

Jul 21

Extra Home Insurance Coverages

Ever wonder which of the extra home insurance coverages you should purchase, if any? These additional coverages are often available on an a-la-carte basis and are offered because the standard policy either limits the coverage or excludes it altogether. Below we explain the most common “extra” home insurance coverages... read more →

July 21, 2021
Personal Insurance (Home, Auto)

Jul 09

Manufacturing factory floor with employee operating welder illustrating need for equipment breakdown coverage.

Equipment Breakdown Coverage | Insurance Gap Series

“The hydraulic line burst at the worst possible time. We were in the middle of production on a large order and had three others stacked behind it. The broken line was fixable, but it had a cascading effect which is where the equipment breakdown coverage really kicked in. The... read more →

July 9, 2021
Business Insurance

Jun 28

Waves crashing over bulkhead on oceanfront.

Hurricane Preparedness 2021

The National Oceanic and Atmospheric Administration (NOAA) warns of another above-normal Atlantic storm season. Disasters don't wait and neither should you. Face this hurricane season with confidence. Take action to stay safe and prevent storm damage to your home or business property. Review our time-tested readiness plan so you... read more →

June 28, 2021
Business Insurance, Personal Insurance (Home, Auto)

Jun 22

Businesswoman working late in a dark office.

New Virginia Overtime Wage Act & Permanent COVID Safety Standards | SESCO Webinar Series

As experts in employment law compliance, SESCO Management Consultants explains current topics relevant to our business clients and practical means to apply them. In this webinar, we will explore: The new Virginia Overtime Wage Act: This act was signed into law on March 31, 2021 and... read more →

June 22, 2021
Business Insurance

Jun 17

Woman standing before large flowchart on whiteboard, explaining general liability and work comp audits.

General Liability and Work Comp Audits Explained

Business owners, just because last year’s insurance policy is expired and paid for, another bill may still be owed for it. This is normal for auditable insurance policies which are billed weeks after a policy is over and a renewed policy is in effect. General liability and work comp... read more →

June 17, 2021
Business Insurance

Jun 09

Jewelry box with jewelry on table in front of mirror.

Common Home Insurance Riders

Even though home insurance is designed to protect from significant financial loss, a standard policy often may not cover some of the more costly items kept inside a home. To fully cover items such as medical devices, antiques, jewelry, and other valuables, adding coverage through a home insurance rider... read more →

June 9, 2021
Personal Insurance (Home, Auto)

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