Summer Insurance Tips
Americans take advantage of school holidays and the bountiful sunshine that summer brings. It is the time of the year to book a holiday, take an interstate road trip to see a family member, or invite friends for a pool party. Unfortunately, when everyone loses their guard, the risk of accidents increases—for instance, homeowners risk […]
Does Boat Insurance Cover Hurricane Damage?
Most people buy boats for pleasure, adventure, or an opportunity to bond with their family. Unfortunately, an enjoyable moment in the boat can turn tragic, highlighting the need to manage unforeseen losses. Boat insurance protects boat owners from losses in the event of an accident. More importantly, it can protect you from the devastating losses […]
What Is the Difference Between Excess and Umbrella Coverage?
Excess and umbrella coverage are additional protection to existing insurance coverage. While most people use the two terms interchangeably to mean the same thing, they serve different needs. Depending on your risk profile, you may need umbrella coverage to complement auto, homeowners’, or business insurance protection. On the other hand, excess liability insurance acts as […]
Dog Damage to Rental Property
A pet is an excellent companion, explaining why approximately 40% of American households own a dog. As a result, landlords must find ways to accommodate tenants who like to keep dogs. Unfortunately, dogs can cause significant damage to rental properties. For instance, dogs have an instinctive urge to chew, which can damage furniture, curtains, and […]
House Fire Insurance Claim Tips
Part of the American dream includes owning a property you can call home. Despite years of hard work and savings, fire can burn down your investment in a few minutes. Fortunately, homeowners insurance can help you recover from the loss. Even so, you must take the proper steps to obtain the maximum compensation from your […]
Natural Disaster Insurance for Business
Businesses in California face numerous natural disasters, including earthquakes, wildfires, floods, mudslides, and hurricanes. Despite the size of your business, you’re highly likely to be impacted by a natural disaster. Natural disasters cause substantial losses, including property damage, injuries, or business closure. Interestingly, only a tiny percentage of businesses recover credit to their ability to […]
Does Homeowners Insurance Cover Handymen?
It is a legal requirement for a professional handyman firm to buy worker’s compensation insurance and general liability insurance to cover medical expenses concerning an on-the-job injury. Unfortunately, some handymen operate without the necessary insurance packages. Homeowners can find themselves in legal trouble if they casually hire an uninsured handyperson without signing a contract. If […]
Commercial Pesticide Applicator Insurance
Specific industries heavily rely on chemicals, including farming, household and exterior cleaning, pest control, and aquatics. Unfortunately, chemical applicators, clients, and the general public are exposed to toxic substances found in the solutions. As such, it is a legal requirement for chemical applicators to hold an insurance package considering the risk in their operations. While […]
Commercial Umbrella Insurance for Rental Properties
For the right person in a suitable situation, rental property is an excellent investment. However, unlike most traditional options, you must keep plowing back your profits to safeguard your investment. In addition, landlords face multiple risks. For instance, rental properties require periodic maintenance. If the roof starts leaking, fixing it requires your time and money. […]
