Feb
25
How to Protect Your Property From Low Temps With a drop in temperature, risk to your business property goes up. If power should go out while the temperature is below freezing, your business could sustain a large loss. Frozen pipes are the leading cause of insurance claims during cold weather. ...
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Feb
25
Part 1 | Part 2 | Part 3 A Primer Many of our clients in various seafood businesses are curious, confused, and/or concerned about the Jones Act and how it affects insurance. In as brief a fashion as possible, let's lay a foundation: Jones Act is a federal act, as opposed...
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Feb
19
How does $0 strike you? Many issues compete for a homeowner's attention when it comes to selling their home. Among moving plans, address changes, securing a new residence, it is understandable insurance gets pushed aside. However, many times a home is their largest investment, so let's for a second consider...
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Feb
03
Most staffing agencies' insurance policies do not cover liability associated with job duties of their temps/employees. One of the most misunderstood policies a staffing agency has is also one of the most critical - General Liability. When an insurance company discovers they are quoting insurance for a staffing agency, they...
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Feb
03
A few safety tips to keep you and your passengers safe. Advance Planning for a breakdown is the first step toward safety. Some of these suggestions may help avoid a breakdown altogether. Perform all regular and recommended maintenance on your vehicle. Have your drivers complete a pre-trip checklist at the start of each...
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Nov
19
Oysters, clams, or other live seafood may be excluded from your insurance. Certain kinds of seafood are live when sold - oysters and clams top the list. Most standard insurance policies exclude all kinds of "animals", and oysters/clams fall within that definition. This means should your refrigeration equipment break down, your...
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Nov
14
If your employee drives their own car on a business errand and is in an accident, your business may be unprotected. Most of us have heard business vehicles should be covered on a business auto/truck policy since personal policies rarely cover business use. However, just because you obtain a business...
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Oct
29
A single bad driver can affect your insurance costs for years, even after you fire them. Insurance carriers place much emphasis on Motor Vehicle Records (MVRs). Many require businesses that transport the public, such as Non-Emergency Medical Transportation, Taxis, or Limousines, to review MVRs at least once per year. That...
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Oct
23
No Elevation Certificate Needed Exciting news! Bankers Insurance can now quote and issue flood insurance with no elevation certificate. It couldn't be easier. In the past, the only option for flood insurance was through the National Flood Insurance Program. Private market flood insurance is a fantastic alternative, offering the same solid coverage, but...
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Oct
23
Just because your home is insured for $100,000 doesn't mean you will be paid that should it be destroyed. In order to avoid a claim payment penalty, most homeowners insurance policies require coverage to be at least 80% of replacement cost. Do not confuse replacement cost with market value as...
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