You only need to watch the news once to understand that weather events have become more dramatic over the past 10 years. According to Maryland State Insurance Commissioner Al Redmer, whether you’re talking about tornadoes, floods, hurricanes, or wildfires, “Both the number and severity of natural disasters have increased” – and so have the number […]
Marijuana at Work: What Employers Need to Know
Legalization of marijuana – whether for medical or recreational use – is rolling out across the country. It’s having an enormous impact on employers, who now have to ask: How is marijuana use impacting safety on the job? Can an employee file a discrimination lawsuit if medical marijuana use doesn’t align with our organization’s drug […]
What Insurance Does an Uber or Lyft Driver Need?
If you drive for a ride-hailing company like Uber or Lyft, or if you’re thinking of joining one, insurance coverage can seem like a secondary concern or something too complicated to tackle. But it’s more important than you think – and inaction could put you at risk. Do you have the right auto insurance to […]
Extreme Weather, Its Effect on the Economy and You
Extreme weather is a meteorological event that falls outside the realm of normal patterns. Weather describes conditions in the Earth’s atmosphere that occur over a short period such as days. Climate describes the weather that occurs over a longer time such as decades. Climate affects weather. For example, weather in the temperate areas is more […]
Taking the High Road on Safety
Triple Beam Technologies is preparing to begin field testing a hand-held device that will help police officers determine whether marijuana users are too high to drive safely – technology developed in response to the legalization of medical and/or recreational marijuana by one state after another. Kathy Stitzlein, founder and chief executive officer of the Akron-based […]
Service Animals, Emotional Support Animals and Your Business
Many people with disabilities use a service animal in order to fully participate in everyday life. Dogs can be trained to perform many important tasks to assist people with disabilities, such as providing stability for a person who has trouble walking, picking up items for a person who uses a wheelchair, preventing a child with […]
E-Scooters and Insurance
Dockless electric scooter (“e-scooter”) sharing programs continue to grow in number, popularity and value. The companies that operate these programs report that millions of rides have been taken in cities across the United States. One such company, Lime, was reportedly valued at $2 billion as of January 31, 2019. But this explosive growth of e-scooter […]
5 Things to Know About Umbrella Insurance
1. Without it, You Could Lose Everything If you cause a car accident and the other driver sues, your auto insurance covers you up to your personal-liability limit, which is likely between $100,000 and $300,000. Same goes for your homeowners insurance if the mailman slips on your steps. An umbrella liability policy pays for settlements […]
Commercial Umbrella Insurance: What You Need To Know
The term “umbrella insurance” is a good descriptor – it’s a broad type of coverage used to protect your business from liabilities that threaten its financial stability. This insurance extends over other policies to provide additional coverage when certain kinds of underlying policies have reached their limits. It also can kick in to fill in […]
Umbrella Insurance – What Is It, And Do You Need It?
One of the best things about living in America is the right to a fair trial if you’re accused of wrongdoing – and the right to bring someone else to trial if they wrong you. It can also be one of the worst. The right to due process is crucial to any free society, but […]
Umbrella Insurance 101
Umbrella Insurance is a form of liability insurance that will supplement your basic liability policies, such as your auto, home or renters insurance. An umbrella liability policy covers a much higher limit and goes above and beyond claims directly relating to your home and auto. The main purpose of your umbrella policy is to protect […]
Shield Your Family
You are more connected than ever and criminals know the information accessed by your family is valuable. Criminals steal passwords, data, money and identities. Even worse than financial loss is the threat of cyber bullying and reputational harm. Western Reserve Group has Personal Cyber and Identity Fraud Coverage that helps you by guarding your loved […]
What is Personal Cyber Insurance and Why Do You Need It?
When you hear, “cyber attack,” you likely think of data breaches at a large company or retailer, but do you ever consider that you could be personally attacked? From a surprise virus to a deliberate rental scam, to deeply hurtful cyber-bullying, the threats you and your family face in the connected world are real and […]
Chubb Launches Personal Cyber Protection Coverage
As a supplement to a a Masterpiece Homeowners policy, Chubb’s Cyber coverage offers individuals and families in North America enhanced protections for cyberattacks that lead to extortion and ransomware, financial loss, cyberbullying, cyber disruption, and breach of privacy. Additionally, clients benefit from discounted access to third-party resources, with tools ranging from how to secure network […]
Personal Cyber Insurance: Deploy in Case of Attack
Your “internet of things” – that network of smart TVs, video game consoles, refrigerators and thermostats that make your life easier – poses a security threat. Where there is a threat, there’s (usually) insurance. Until recently, cyber insurance has been a product for businesses; now it’s an option for individuals. Personal cyber insurance pays out […]
Personal Cyber Insurance: What Does it Protect You From?
We have heard about increasing cyber crime and cyber attacks in today’s connected world, but do you know about what risks you face online as an individual or whether your home insurance covers you if you are a victim of internet or cyber crime? The more connected we become, the more people worry (or don’t […]
10 Dog Breeds Most Often Blacklisted by Home Insurance Carriers
Although domesticated dogs may seem quite friendly and approachable, there are occasions when they can be dangerous. There have been a number of cases in the U.S. involving vicious dog attacks on both humans and other pets. The breed of dog you own could make it more difficult to secure Homeowners insurance. Insurers are hesitant […]
Dog Bite Liability
Almost 90 million dogs are owned as pets in the United States according to a 2017-2018 survey by the American Pet Products Association. According to the Centers for Disease Control and Prevention, about 4.5 million people are bitten by dogs each year. Among children, the rate of dog-bite related injuries is highest for those 5-9 […]
Common Questions About Renters Pet Insurance
According to the 2018 National Pet Owners Survey conducted by the American Pet Products Association (APPA), 68% of US households, or about 85 million families, own a pet. What’s more, an even higher share of renters have pets. This is surprising to hear, not only because of the rise in no-pet policies in condos but […]
What is Pet Insurance and How Does it Work?
Pet Insurance reimburses you for your dog or cat’s unexpected medical bills. Pet Insurance with American Heritage is done through the Figo Program. How Does it Work? Your pet is treated at any veterinarian for sickness or injury and you submit the bill to Figo for reimbursement by simply snapping a photo of your vet […]