Dec 10
Insurance empowers commerce. Despite the setbacks of business, it keeps us moving forward. Smitty’s Better Burger, a longtime client, is a nostalgic local eatery in Hampton Roads. It recently re-opened its doors after a devastating fire that destroyed the interior of the restaurant and kitchen, forcing it to close...
read more → Dec 03
After my grandfather retired at eighty years old, he picked up the hobby of restoring antique John Deere tractors. It didn’t take long for him to take over the existing detached garage, build onto it, and fill it with tools and equipment. Soon, its value likely exceeded that of...
read more → Nov 20
Subcontractors can offer advantages, but can also present unique risks. All businesses using subs face this challenge, whether construction, manufacturing, service, or other. Businesses may be held liable for damages or injuries caused by their subcontractors, including injuries to employees or visitors of a site. Even more, a subcontractor’s...
read more → Nov 06
The tow truck driver’s voice, low and burly, nevertheless betrayed concern. “She was shaken. Unsteady on her feet. I don’t know if she’s always like that, but I think it was from the accident. I’ve called her several times since, but no answer.” The call came to our...
read more → Nov 01
Most everyone reading this article knows of someone who has experienced a fire in their home. Electrical wiring is a leading cause of household fires. Each year, an estimated 51,000 electrical home fires occur in the U.S. alone, according to the Electrical Safety Foundation International. Wiring doesn’t need to...
read more → Oct 23
Business owners commonly ask, “How much coverage should I have on my building?” But answering such a question can be like painting a moving train, depending upon how you use your building, what you want to do with it should it become damaged, how it is constructed, and a...
read more → Oct 04
A client recently returned to her car from the grocery and was shocked to discover her driver side door crunched in. She searched for a note with contact information from the offending party, but none was found. Yes folks, this still happens today. She pulled out her phone and...
read more → Oct 02
A hundred years ago, a popular means for travelers to find a warm bed was in a boarding house. Now, with the help of online scheduling, a new version of boarding house has evolved: home-sharing. Sites like Airbnb and Vrbo are popular options for travelers looking for a break...
read more → Sep 12
A business may consider hiring independent contractors instead of bringing on full-time employees for a variety of reasons. The need may be short-term, require a highly specialized skillset, or simply cost less due to decreased payroll, health benefits, and vacation. But limitations exist with hiring independent contractors and...
read more → Sep 11
Accidents happen. That’s why you have insurance. Recently, one of our clients was in an auto accident and they were at fault. Stacey Bowles, one of our claims agents, reported the accident to our client’s insurance company and all was flowing nicely. Since our client was at fault, their...
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