Whether you specialize in carpentry, web design, or accounting, the availability of online resources and professional networks enables almost anyone to engage with potential clients and manage essential day-to-day business tasks independently. This growing pool of freelancers and self-employed professionals has simplified the process for employers, making it easier than ever to hire independent contractors to fulfill specific business needs.
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Having adequate RV insurance is essential to protect your investment and peace of mind while traveling. As with auto insurance, your rates are based on the make and model of your RV, your driving history, and other factors. You may have the option to add RV coverage to your regular auto insurance, but this isn't always recommended. Because your RV is both a home and a vehicle, it may require specialized insurance to provide the right kind of coverage. Each person's RV insurance needs are unique, so choose a policy tailored to your specific requirements and budget.
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Personal Umbrella Policies are liability insurance policies with very high limits of protection, typically starting at $1,000,000. They are designed to add a layer of protection above other kinds of personal liability coverage such as the liability protection found in a personal auto, homeowner or boat insurance policy. These kinds of policies are meant to protect you should you be deemed legally responsible for injury to persons or property. Personal injury can include non-physical injury like libel or slander.
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For any homeowner, a robust insurance policy is a must. But if you're new to homeownership, or if you're thinking about updating your policy, you may not know much about what it does and doesn't cover, along with how to find the best policy for you and your family.
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So you're thinking of buying a pool and imagining those lazy, hot summer days when you'll get to slip into the cool water, sunbathe, play with the kids, and invite friends and neighbors to share in your good fortune. But there's more to owning a pool than just the fun stuff. Make sure that it's truly something you want and are willing to put in the work to maintain. Here are a few things to consider before you "dive in" -no pun intended.
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According to the World Health Organization, falls are the second leading cause of accidental injury deaths worldwide. Falling disproportionately impacts adults age 65 and older, and can lead to serious injury, further health problems, decreased quality of life, and a loss of independence.
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**always read your policy as coverages vary**
Excess policies provide an extra layer of protection for any of your liability policies, increasing the amount of money available for large claims and major legal action that may occur. An excess policy only comes into effect once the liability limits on the policy underneath it has been used.
Sounds a lot like an Umbrella doesn't it? We talked about Umbrella's
here but what is the difference? They both provide extended limits so why pick one over the other?
Excess is over one line of coverage - Umbrella is over many.
Think of Excess like a bar graph - it goes straight up above the policy you already have. This means that it takes your current policy and increases the limits.
Umbrella goes over the top of, often, multiple policies. They also sometimes add extra coverages that are missing in the underlying policies.
Often Umbrella policies are more for personal lines coverages - your home, your car, your boat etc. While Excess policies are more for your commercial policies - the extra five million dollars on top of your current five million dollar policy for your bus company etc.
When contracts require that someone meet a liability limit for just one policy, excess is usually the answer. When you want more overall protection - the umbrella is.
It just depends on what you are trying to insure and how you want it covered.
So talk to us today! And let us see what we can do to increase your coverage in the best way possible.
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Umbrella Policies provide an extra layer of protection for your homeowners, auto and other liability insurance policies. This helps by increasing the amount of money available for large claims and major legal action that may occur. The policy only comes into effect once the liability limits on the policies underneath of it have been used.
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What does it cover?
Because this is a liability coverage - it covers things you are liable for. Your responsibility has to be proven before your coverage takes effect. Then your coverage will help pay for bodily injury and property damage. This means if you serve alcohol to a guest, and the person you served alcohol to goes out and injures another person (like a drunk driver causing a car accident), you can be named partially responsible for that accident. Then you may be held responsible to help pay for medical bills, damage to the car or other property, and may even be named in a lawsuit. Your liquor liability coverage would come into effect then - paying the medical bills, repair costs and defense costs up to the limit of insurance.
Where do I find this coverage?
There is usually some coverage under your homeowners policy, but that is for personal exposures. If you are having a large party, in your home or outside of it, you may want to get
special events coverage with liquor liability to help cover your risk. That way when you have lots of people and you are serving alcohol your guests are covered, and anything your guests do to each other or property around them is covered.
If you own a business where you serve alcohol, liquor liability can be added to your general liability policy. Often, liquor liability goes hand in hand with abuse and molestation as well - and having both on your policy is essential. Take you policy out and make sure you have it. If not, make sure you get it added on. It is often an additional coverage and has it's own separate limit. Make sure you have the coverage, and that it has enough money to cover your defense costs in the case of a lawsuit, or the medical bills in the case of a terrible accident.
Don't let one bad decision destroy your business or your life.
Need a quote for liquor liability? Give us a call at 800-843-2430 and we would love to help you out!
Continue Reading... Because homeowners insurance is a grouping of policies, you tailor your policy to fit your situation. If you need a homeowners policy, or want to review what you currently have, give us a call and we would love to help you out. So now that we know who needs a homeowners policy - let's talk about what it is.
What does homeowners insurance typically cover?
Homeowners coverage is broken into four different types of coverage:
1. Your physical home itself - the structure
2. The things that you own inside the house - your belongings
3. Liability coverage - lawsuits and medical coverage for guests
4. Additional living expenses - when you temporarily cannot live in your home because of an insured disaster.
So what does this look like -
Your policy is going to list the things that are covered - things like fire, hail, lightning and other disasters. In the case of one of these "insured events" these things are covered: Your house can be rebuilt, your possessions replaced, and the cost of living out of a hotel while being rebuilt paid for.
The liability coverage pays for lawsuits for bodily injury or property damage that you or others in your family cause, including your pets. So if your children break something in the neighbors house, your policy covers that. It also provides medical coverage, so if someone is injured in your home their medical bills can be covered. This does not cover medical bills for yourself or your family.
So how do you know if you have enough coverage?
Think about your house, how much would it cost to rebuild it today. Not when it was built, but today. How much is it worth, how much are the things inside your house worth. Sit down and talk with your insurance agent about the cost and make sure you have enough coverage to rebuild your home in the case of a total loss.
For liability it is a good idea to increase the minimum limit or to think about adding an umbrella to increase the limits across both this policy and your other personal liability policies as well. Make sure you think through what an injury or damage to others property might cost you, and make sure you have enough coverage!
Have questions about what kind of Homeowners insurance is right for you? Give us a call at 800-843-2430 and see what we can do for you!
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