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Does My Business Insurance Cover Flood Damage?

There are many perils involved in owning a business today. For this reason, many business owners purchase various commercial insurance policies. Unfortunately, many are surprised and dismayed to learn, only after they need to file a claim, that among the perils not covered by their many insurance policies is a flood. In fact, you need […]

Before You Start a Remodeling Project Contact Your Insurance Agent

If you are among those who plan to remodel your home this year, it’s essential you have the right type and amount of insurance, both during your renovation and after, according to the Insurance Information Institute. So, it’s important you contact your insurance agent before beginning your project.  Steps to Take Before Starting Your Remodeling […]

What is Commercial Lines Insurance?

You may have heard the term “commercial lines insurance” and wondered what that means. Simply stated, it means the various types of insurance policies that a business can purchase to protect itself. Business insurance needs will vary because every business is unique. Even companies within the same industry have things that set them apart from […]

What is Inland Marine Insurance?

Perhaps one of the most confusing business insurance policies is inland marine insurance.  It is also sometimes referred to as a floater policy. Most people define “marine” as having to do with water. In fact, the very definition of the word is “of or relating to the sea,” according to dictionary.com. So, what is inland […]

How Does Electrical Contractors Insurance Work?

Insurance for self-employed electricians is a priority. Because of the various exposures electricians face, it’s important they have an insurance policy that’s customized with both general and specialized coverage.  To run an electrical business smoothly, it’s essential you understand the importance of electrical contracting insurance, the risks electricians face, and the different types of coverage […]

What is Snow Plow Insurance for a Contractor?

If you’re a snow plow contractor or own a snow removal business, one necessity to protect your vehicles, company, and other aspects of your business is snow plow insurance. Generally, snow plow contractors are required by law to obtain a certain level of snow plow insurance coverage. Following a snow and/or ice storm, snow removal […]

What Do You Need When You Start a Trucking Company?

There are plenty of things you need when you start a trucking company. You need trucks, drivers, loading equipment — and customers who want you to move their goods from one location to the next.  You also need an appropriate amount of insurance protection and various coverage types to protect your business, your drivers (and […]

Worker’s Compensation Changes Due To COVID-19

COVID-19 has undoubtedly changed so many things in our world. A condition that initially required 15 days to “flatten the curve” is changing lives, and even ending some lives, six months and counting, later. Existing worker’s compensation laws before COVID-19 specifically excluded situations in which communicable illnesses, such as flu or common colds, were spread […]

What Type of Insurance Do You Need as a Contractor

As a contractor, you wear many hats. You may perform a dozen different jobs in one day on a single jobsite or on multiple sites throughout your service area. These are just a few of the hats you may wear on any given day: Electrician Plumber Roofer Painter Landscaper Drywaller Builder Masoner HVAC contractor Heavy […]

Does Your Current Insurance Policy Protect You If a Hurricane Strikes?

While hurricanes can occur any time of the year, the official hurricane season begins June 1 and ends November 30 each year. As we approach the peak of hurricane season, which occurs mid-August through the end of October, it’s important to ensure your insurance protection is adequate for your needs should a hurricane strike. Here’s […]

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