Panorama Insurance Blog

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, ...

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 ...

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 ...

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 ...

does homeowners insurance cover handyman

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 ...

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. ...

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 ...

can i drive a company car without my own insurance

Most companies allow employees to use company vehicles for personal use. It could be checking on your child in the middle of the day, buying groceries, or driving to the grocery store using ...

does renters insurance cover broken windows

Renter’s insurance is a form of property insurance that protects tenants who live in rented buildings. So, whether you live in an apartment, condominium, or single-family home, renter’s insurance is ideal. If you’re ...