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Tuesday, November 5, 2019

Just when you thought you had covered everyone and everything in your insurance policy, there is one more gaping hole to consider. It’s what happens when an employee gets in a wreck while driving their own vehicle while on...

 

Monday, November 4, 2019

As a contractor, your General Liability insurance works a little differently than it would for most businesses. Most of the work that you do is performed on the property of your clients, so you need to have coverages in place that will...

 

Friday, October 25, 2019

There are a surprising number of households that are not aware of what an umbrella policy is; and if you have a family, a home, vehicles, or a business, you are going to want to learn. Think of an umbrella policy as just that –...

 

Thursday, October 24, 2019

Business insurance can be confusing in general, but getting specific about coverages that are important to the childcare and early education industry can be even more tricky. The best place to start is with General Liability –...

 

Saturday, October 5, 2019

As a senior placement agent, there are two things you must do to mitigate your risk. First, you need to know whether your insurance coverage considers you as a “Referral/Placement Agent” or as a “Consultant.” We...

 

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Thursday, September 5, 2019

I know we’ve touched on non-owned auto liability before. But, it’s a problem so pervasive and misunderstood that I wanted to remind you again. If you have employees and your policy includes the non-owned auto rider, great!...

 

Tuesday, August 6, 2019

We see a lot of independent contractors used in the senior placement/referral industry in particular.We understand; independent contractors fill many roles with less cost than hiring full-time workers. However, just because they are...

 

Tuesday, July 9, 2019

I just wanted to give you a heads up about your insurance and defending yourself from a liability claim. There is a HUGE difference between defense “inside” and “outside” the policy limits. Here’s what I...

 

Thursday, June 6, 2019

The terms “admitted” or “non-admitted”, make a big difference if you purchase insurance for yourself or your business. And, I’m not referring to a hospital stay. I’m talking about the insurance...

 

Friday, September 7, 2018

Perhaps Bette Davis said it best when she observed, “Old age is no place for sissies.”¹ The challenges seniors have met throughout their lives have made them wiser and stronger, preparing them for the unique challenges...