Otterstedt Insurance Agency Blog | Insurance Questions Answered

What New College Graduates Need to Know About Insurance

Written on May 31, 2018.

You’ve just graduated college and the world is at your feet. Before you go out into the world, it’s important to learn a few key facts about insurance and your need for it. This guide will walk you through three of the most common types of insurance you’re likely to need: Health Insurance...

Tire Blow Out: What do I do now?

Written on May 29, 2018.

By Nikki Allegretti A not so funny story happened when I was on my way home from my job at Otterstedt Insurance Agency. My tire exploded on Interstate 80. I didn’t feel it, I didn’t hear it, and I didn’t know what to do. I panicked when a truck driver signaled me to pull over because...

Own or Starting a Restaurant? Make Sure You are Properly Insured

Written on May 17, 2018.

Whether you’re a long-time restaurant owner or just starting out in the restaurant industry, adequate insurance coverage is critical. You’ve put a lot of heart, soul, money, and sweat equity into making your restaurant ownership dreams a reality. Protect that investment with the right types and...

Why As an Attorney You Need Cyber Liability Insurance

Written on May 1, 2018.

Cyber breaches are increasing in every sector or business in the United States and around the world. This includes cyber attacks on law firms, large and small. What this means for you, as an attorney, is that you are facing greater need than ever before for cyber liability insurance. Why...

How To Know If You Are In a Flood Zone and Need Insurance

Written on April 19, 2018.

While many people can certainly use and benefit from flood insurance, people who live in areas that are designated as flood zones must have flood insurance if they have home mortgages. Even if you do not live in a designated flood zone, it is important to understand your risks and the...

What Types of Insurance Do You Need as a Pest Control Operator?

Written on March 29, 2018.

Owning a pest control business carries a certain degree of risk. One of the tools you have at your disposal to mitigate those risks is insurance. Of course, not all insurance policies provide the right level of protection to meet your needs. Below you will find various types of insurance...

How To Create a Home Inventory & Why It’s Important

Written on March 20, 2018.

If there was a fire, flood, or another disaster, would you know all the possessions you had? Chances are, you wouldn’t. That’s why a home inventory list is important, whether you live in a single-family home, condo, or apartment. It will help you determine your losses and make your...

What Does Employment Practices Liability Insurance Cover?

Written on February 28, 2018.

Whether your business has one employee or 100,000 employees, you need Employment Practices Liability Insurance (EPLI) coverage to protect your interests. In today’s business climate, when employees feel they have been mistreated, abused, marginalized, or wrongfully dismissed; the first reaction...

6 Home Fire Safety and Prevention Tips

Written on February 14, 2018.

The National Fire Protection Association (NFPA) reports that in 2016 there were more than 1,342,000 fires reported in the U.S. resulting in 3,390 civilian deaths and approximately $10.6 billion worth of property damage. These numbers equate to a home structure fire reported every 90 seconds in...

Snow and Ice Removal: Slip and Fall Accidents

Written on January 16, 2018.

As winter approaches, it’s a good idea to have reminders of your rights and responsibilities, according to the law, for protecting other people from hazards on your property. Whether you rent or own a home or commercial property, you have specific responsibilities that need to be...