Most businesses invest in physical security and general liability insurance, but cybersecurity is usually limited to a firewall and some antivirus software. Unfortunately, this leaves many small businesses exposed to the high cost of cyber attacks – which are increasing in frequency. According to Gartner, a global research and advisory firm, 43% of major data […]
The Cost of Your Employees’ Fingerprints
In January 2019, The Illinois Supreme Court upheld consumers’ rights to sue companies for collecting their fingerprints without explicit consent. This precedent-setting case, Rosenbach v Six Flags Entertainment Corp, was the first to extend the interpretation of the Illinois Biometric Information Privacy Act (BIPA) holding that individuals do not need to prove they were actually […]
Personal Cyber Insurance: Protecting Our Digital Lives
It is often said that smartphones are more powerful than the computers used in the NASA 1969 Moon landing mission. The 2KB memory of the Apollo 11’s guidance system is tiny compared to today’s Apple or Android handsets. When coupled with always-on internet access, these devices open up a world of possibilities – but many […]
Should You Seek Out Umbrella Insurance?
Your son blinds a playmate with his BB gun. Your daughter rear-ends a car, causing serious injuries to its driver. A neighbor breaks his neck by diving into the shallow end of your swimming pool. Your teenager’s friend drinks liquor at your house, then paralyzes another driver in a car crash. You serve on the […]
Does Your Business Need Commercial Umbrella Insurance?
When you hear the term “commercial umbrella insurance,” what comes to mind? Many business owners aren’t entirely aware of what this type of coverage entails, or even what it means. Today, we are going to give you the answers to your most pressing questions on the topic! What is commercial umbrella insurance? Commercial umbrella insurance […]
What’s Covered by Umbrella Insurance?
Homeowners insurance protects you if, say, a fire burns your house to the ground. That’s a start. But you also need to think about protecting your home against something equally dangerous: a lawsuit. If a houseguest slips in the bathtub, you could get sued. Lose the lawsuit and you could lose all of your assets, […]
What is Commercial Umbrella Insurance?
Commercial umbrella coverage gives you extra liability coverage to help pay costs that exceed your general liability or other liability policy limits. Without this business insurance coverage, you’d have to pay out of pocket for expenses that cost more than your coverage limits, such as: Legal fees Medical bills Damage expenses A commercial umbrella policy […]
Umbrella Insurance is the New Liability Coverage
It seems as though the wealthier an individual is, the higher the risk of being sued. It’s just one of the downsides of being affluent, especially if that person is also a business owner. In opportunistic lawsuits, primary policies like standard car insurance, home insurance and a business owner’s policy do not fully protect a […]
Trucking’s Road to Zero Emissions
At the Work Truck Show’s Green Truck Summit in Indianapolis this past March, emcee John H. Davis, who has hosted and executive produced the PBS program “MotorWeek” for nearly 40 years, pointed to California’s recent regulations on truck emissions as some of the preeminent omens affecting the future of fleets’ operations and bottom line. He […]
Commercial Trucking 101
Being an owner-operator of a trucking business is a liberating experience. Due to the shortage of truck drivers, the pay is great and work is almost always available. Take a load when you want to and decline when you prefer to relax at home with your family. However, before you can reap the benefits of […]
Today’s Advanced Trucking Safety Techniques
If you have been in trucking for a while, you have seen many changes to safety technology through the years. These safety products promise to make your operation safer, with fewer accidents and downtime. So, why aren’t all carriers investing in the latest in fleet safety technology? As you might expect, the answer to this […]
Having the Right Commercial Truck Insurance
Whether you are an entrepreneur with one commercial truck or your company uses a fleet of trucks, you need commercial truck insurance tailored to your business and your risks. Perhaps you have drivers who make deliveries, or you have trained and certified commercial truck drivers who drive tractor trailers and deliver freight cross-country. No two […]
House Rentals vs. Apartment: Which One is Right For You?
Choosing between renting or buying a home is already a hard choice for a lot of people. If you decided to rent, there’s also the question of whether you will be renting a whole house or apartment. Depending on your circumstances, a different option might be better for you. Here are the advantages and disadvantages […]
What Being in an Apartment Fire Taught Me About Renters Insurance
Around 2:35 p.m., Monday, August 27th, my apartment caught on fire. In the space of approximately 35 seconds, I gathered a few possessions in a laundry hamper as reddish-orange smoke curled through the window, and ran. The fire had started spontaneously in the next-door neighbor’s electrical system. Since buildings are packed tight in San Francisco, […]
Tips for First Time Renters
Renting your very first apartment is a natural stepping stone of moving out of mom and dad’s house. The freedom of moving out on your own is very exciting, but it does come with a lot more responsibilities as well. Being a first-time renter is a really big deal. You’re on your own and can […]
Should You Allow Pets in Your Rentals
Eventually, every landlord has to decide whether they should allow pets in rentals. It can be tough decision, especially if you are new to real estate. On one side, allowing pets in rental your property can broaden your market for prospective tenants, boost your annual income, and possibly keep tenants longer. But there are also […]
A Beginners Guide to Renters Insurance
A renters insurance policy refers to a series of coverages intended to provide protection to renters living in an apartment or a house. These policies are typically comprised of three types of coverage to protect the insured person, the insured person’s living arrangements, and his or her belongings after a covered loss. Noted insurance agency […]
6 Tips to Help Deter a Break-In
Every 13 seconds, a burglary occurs somewhere in the U.S., adding up to approximately 2.5 million burglaries each year, according to Alarms.org. Two-thirds of those crimes are home break-ins, and if it were not for home security systems, that figure could be significantly higher – a study from UNC Charlotte found that 83% of convicted […]
What to Know About Insuring a Historic Home
Whether your historic home is new to you or has been in the family for generations, an essential element of taking care of the property is adequate insurance. “Insuring a historic home can be very different from insuring a newer home,” said Dawn Meadows, an insurance adviser with Clarke & Sampson in Alexandria, Va. “The […]
Alpaca Stampede, Spoiled Wedding Cake, Teacher Defamation – What’s the Insurance Link?
Picture this: Your next-door neighbor Gary runs an alpaca farm. Most of the time, the alpacas are happy springing along, munching on grass, and looking cute. But one one occasion, a dog agitates the group, and the alpacas storm their enclosure and stampede over your property, leaving a trail of damage in their wake. While […]