Blog

Sunday, December 8, 2019

The holiday season is upon us, and that means a lot more travelling as we visit our loved ones. While this also means more frequent auto accidents, we have a high chance on a daily basis of being involved in an accident. I recently had...

 

Thursday, December 5, 2019

Did you know that 9 out of 10 placement agent insurance policies rate them as “consultants”? It may not seem like a big deal, but when you dig into the policy, you’ll discover the coverage for a consultant really...

 

Monday, December 2, 2019

When you get down to the basis of auto insurance, it can be broken in to two parts: liability coverage and physical damage coverage. Liability coverage is required by law and covers you for any at-fault accidents that may occur. It...

 

Monday, November 25, 2019

Insurance is very confusing, and more so it can be very frustrating. It is time consuming, and no one really wants to bother with it. Insurance is also expensive, and even I will admit to previously being guilty of getting the cheapest...

 

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...

 

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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...

 

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...