Employer Company Car Accidents & Violations: Who is Liable?

When employees use business vehicles for business errands, the question of liability and responsibility often arises. Who is responsible for acts of drivers in business vehicles? It’s a question some employers do not even consider until a violation, accident, property damage, or injury has occurred. If you are one of the many employers who hasn’t […]

Explain My Coverage

Understanding the types of insurance coverages available is a critical part of protecting you and your families financial security.  Below are some of the top insurance coverages the average household requires. Auto Insurance Coverage Auto insurance coverage provides financial protection if you are in an auto accident. The type of protection you receive depends on […]

Is Your Business Susceptible To a Data Breach?

Many business owners mistakenly believe their businesses are too small to attract malicious hackers and others attempting to steal information, money, and more through data breaches. Nothing could be further from the truth. Small Business Trends paints an alarming picture of the reality of vulnerabilities small businesses experience when it comes to data breaches. These […]

Who is Liable for a Slip and Fall on Ice at Your Home?

Slip and fall injuries are tricky things, legally speaking. That doesn’t mean that homeowners bear no legal responsibility, or liability, for slip and fall injuries occurring on their property. When people slip and fall on ice at your home, whether it be a guest, the mailman or a stranger, a few things must be proven […]

What is PIP Coverage?

PIP stands for personal injury protection and is an extension of your regular auto insurance. It covers medical costs and in some cases, lost wages. People often refer to it as “no-fault” coverage since it pays out claims regardless of who’s at fault for the accident. What PIP Coverage Covers? PIP provides you with vital […]

Who Do I Call if I Have a Claim?

If you’re like many people, you buy insurance hoping you’ll never need to file a claim. However, if the time should ever come when you do need to file a claim, it’s important that you know what to do. One of the many benefits of working with a local agency, like Otterstedt Insurance Agency, is […]

What is Replacement Cost on Contents and Building?

When buying insurance or shopping around for policies, you’ll come across many terms that might seem foreign to you. At least in the concept of buying insurance. One of those terms is “replacement cost.” You need to take the time to learn about this one because it’s an important term to understand. Whether you’re insuring […]

Does My Insurance Policy Cover HVAC Failure?

Your home’s HVAC system helps keep your family comfortable inside its walls regardless of what’s going on outside. In the summer, a properly functioning HVAC system will keep your family cool and comfortable. During the winter, it will keep you cozy and warm. When your HVAC system isn’t functioning properly, though, things can get very […]

Winter Safety Tips for Wood and Gas Burning Fireplaces

After a full day of sled riding or building a snowman with the kids or shoveling the driveway and sidewalk, there is nothing like coming out of the cold, making some hot chocolate and warming up in front of your cozy fireplace. However, your fireplace, whether it is a wood burning or a gas fireplace, […]

Will My Policy Premium Stay the Same Every Year?

Because so many things can change in a year, it’s important to review your policy annually to determine which, if any, changes you need to make in coverage. These are some of the things that can affect your policy premiums from year to year. Claims The unfortunate reality is that insurance is a business of […]

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