What is Wedding Insurance Coverage? Wedding insurance is special event insurance that provides coverage for wedding mishaps such as venues closing, vendor no-shows, extreme weather, damaged gifts, sickness or injury and more. Optional liability and liquor liability coverage are also available to protect your interests from unfortunate mishaps such as slips and falls or damage […]
Special Event Insurance
Many businesses sponsor events like conferences, receptions, exhibitions, and festivals. Such events can generate claims against the event sponsors. To protect themselves, businesses can purchase a type of liability coverage called special event insurance. This coverage applies to claims by third-parties for bodily injury or property damage sustained during an event sponsored by the business. Special event […]
Wedding Insurance 101
Though you might not want to think about it, disasters can strike your wedding day. From a sudden cancellation to stolen gifts to a damaged gown, wedding insurance can help protect you against the unforeseen, and can also afford you great peace of mind. But what exactly is wedding insurance – and how does it work? Here’s […]
10 Facts You Should Know About Weather-Related Home Insurance Claims
Weather-related home insurance claims can be a whole separate ball game from other home claims. “Weather losses are always more complicated because you’ve got thousands of people experiencing losses at the same time. These events are taxing on the entire community, whereas if you have one loss, such as a water main break in your […]
Severe Weather is a Wake-Up Call to Check Your Insurance
If you’ve watched the news recently, you’ve noticed that intense storms are becoming more regular, with some catastrophic results. Whether the issue is the wind damage from a hurricane, water damage due to torrential rains, or the property damage caused by a wildfire, weather-related damage is a growing concern. The increase in severe weather means […]
Mudslide vs Landslide: What’s the Difference?
Picture the scene. Massive trees have fallen, downed electricity poles, damaged cars and other materials scattered on the ground. Every year, in all areas of the United States, both mudslides and landslides occur, leaving devastation and destruction in their path. Cincinnati regularly sees mudslides along Columbia Parkway and within the past few years, a landslide […]
What You Need to Know About Flood Insurance
Flood insurance is an important policy for most homeowners to have. But only about one in seven homeowners purchase this critical safety net to protect them from the ravages of flood water. What is Flood Insurance? Flood insurance is a specialized policy that protects your home and belongings against damage from flood waters. If you’re […]
Climate Change May Affect Your Homeowner’s Insurance Policy in Two Ways
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 […]
Everything You Need to Know About Crop Insurance
Crop insurance protects farmers and agricultural producers against the loss of crops as a result of extreme weather, like floods, hail, and drought, or the loss of revenue due to price fluctuation in the agricultural commodity market. There are two types of crop insurance available to farmers in the U.S. : crop-hail insurance, which is […]
What Every Horse Person Needs to Know About Insurance
Whether you board horses or rent them out for people to ride on your property, having the right insurance is crucial. It is also important when you are the person sending your horse to a boarding facility. There are many situations that could result in an insurance claim as these real news headlines show. “Horse […]
Why Farmers Should Purchase Livestock Insurance
Farms, ranches and other businesses that raise or house livestock may lose money if the animals are injured or die due to accidents or disease. There are several types of livestock insurance and the kind of coverage you need depends on the varieties of animals you have and the purpose they serve. Farm animal insurance […]
Prevented Planting for U.S. Farmers
U.S. Department of Agriculture numbers show Ohio farmers have been hit with the state’s worse weather-prevented planting season on record in 2019. The Columbus Dispatch reports that Ohio had the highest rate nationally of acreage on which insured farmers were prevented from planting because of weather. The data shows Ohio’s 15.1% rate was followed by […]
Benefits of Text Messaging in the Insurance Industry
Technology advances are constantly being made to keep up with consumer demands. One of the ways the insurance industry has begun to adopt technology is by incorporating texting with their clients. Texting is beneficial to both the insurance agency or company as well as the client. Here are some ways texting is beneficial: Ability to […]
How Telematics Devices are Driving Discounts for Commercial Auto Insurance
Ever wonder what happens while your company drivers are on the road? Looking for new ways to monitor and manage cost of insuring a fleet of commercial vehicles? If professional drivers keep your business rolling, telematics devices now offer you new, real-time insights into ways to manage and monitor your risk exposures. For businesses that […]
How Smart Home Technology is Influencing Home Insurance
By now, most Americans have grown accustomed to smart devices. Whether it is a smartphone or a smartwatch, we interact many times a day with some sort of smart device. These gadgets have changed the way we live providing unprecedented convenience and productivity. Smart devices in the home are no different. Over the last few […]
10 Ways Driving Analytics are Affecting Insurance
You may have noticed a lot of buzz about driving analytics lately, and for good reason. Driving analytics are primed to change the way vehicles and drivers are insured, and even conceivably change the way individuals drive, for the better. What is Driving Analytics? Also referred to as telematics, driving analytics tracks driver data like […]
Here’s What You Need to Know About Airbnb-ing Your Home
Sally Miller left corporate American when her first child was born to spend time with her growing family. But this also meant the family income took a hit, so she started exploring ways to make money from home. Hosting her four-bedroom home in San Jose, California on Airbnb turned out to be a great side-gig. […]
Top 5 Reasons Why You Should Consider Insurance as a Career
Whether you or someone you know is headed to college unsure of your path, graduated and looking for a job, or just looking for a career change, insurance should be on your list of jobs to research. Here are reasons why insurance is a great career choice. 1. A Stable Industry Insurance has been around […]
Climate Change May Affect Your Homeowner’s Insurance Policy
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 […]