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Top 5 Things You Need to Know About Insurance If You Own a Restaurant

Owning a restaurant can come with a whole lot of problems. From the risk of property damage due to a fire hazard and injuries of the kitchen employees to theft and food storage or foodborne illnesses, running a restaurant has its share of risks. Getting restaurant insurance is a great way to mitigate the risks […]

5 Things Your Homeowner’s Policy is Missing

Your home is much more than just a house. It includes the many things inside and outside your home, like your possessions, family members, property, structures, and even pets. It’s crucial to ensure that everything that makes up your home and property is appropriately insured to protect you from unforeseen losses. Every home is unique, […]

Protect Your Business from Data Breaches and Cyber Security Threats

Businesses regularly collect data relating to their company, employees, clients, vendors, partners, and more. Therefore, protecting your business from data breaches isn’t just for self-preservation but also to protect the data of other sources your company uses. Data breaches are becoming more common for both large and small businesses, so it’s essential for all companies […]

5 Things Your Business Owners Policy is Missing

If you own a small enterprise and looking for an insurance policy for your business, a business owner’s policy, or BOP, can be a great solution.  Below we go over what a business owners policy is, what it covers, its advantages, and things your BOP might be missing.  What is a Business Owners Policy Insurance? […]

Pool Safety Tips and Insurance Considerations

Having a swimming pool in your house can be a fun way of adding more value to your life.  But a swimming pool can have risks like pool injury and accidents, including drowning. According to the Centers for Disease Control and Prevention (CDC), in the U.S., children ages 1-4 have an increased chance of dying […]

Cleaning and Maintenance Tips to Prevent Insurance Claims

Whether you love the opportunity to clean, inspect, and do some maintenance work around the house, or you find it to be a tedious chore, the value of doing some much-needed cleaning is undeniable. Regularly inspecting and maintaining your house or commercial building(s) is just as important as regularly checking and maintaining your car.  For […]

What is Flood Insurance and Why Do You Need It?

As defined by FEMA, a flood is: A general and temporary condition of partial or complete inundation of 2 or more acres of normally dry land area or of 2 or more properties (at least 1 of which is your property) from: Overflow of inland or tidal waters; or Unusual and rapid accumulation or runoff […]

5 Questions to Ask Home Insurance Agent

Before shopping for home insurance, you need to know the factors that can help you get the insurance that matches your needs. Ask your insurance agent the following questions to determine the type of insurance, the coverage, and the insurance details that can help you choose the right home insurance policy. 1. What is the […]

Does a Nonprofit Organization Need Directors and Officers (D&O) Coverage?

Nonprofits often face intense scrutiny about how they use their funds and their method of operations. Where claims are made against directors of a nonprofit, the organization, directors, officers, and trustees can find they are neck-deep in expensive legal procedures, resulting in huge fees, penalties, and litigation costs.  Even the best intentions can result in […]

Commercial Lines Claim Stories

Having commercial insurance is one of the best ways to protect a business from unpredictable situations. At Otterstedt, we understand that most businesses are always one disaster or lawsuit away from closure.  Here are some examples of real-life stories of how we help our clients navigate various unexpected challenges, keeping their businesses afloat.  Story 1: […]

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