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Protect Against Social Engineering Dangers – Coverage Insights Late one Friday afternoon, John was wrapping up his week when he received an email from his boss. The email detailed that their most recent project was nearing completion and he provided account information for wiring payment to their contractor. Exc... Read More

Liquor, Libations, and Liability – Your Business Could Be At Risk Bars and restaurants are not the only businesses that need to be concerned about liability related to liquor exposures. Even if your organization is not in the “liquor business,” it isn’t unusual to have alcohol served at company functions.Guests who... Read More

The Role of Workers Compensation in a Gig Economy Every day, more and more employers are turning to independent contractors. The construction industry used to be the most common type of business where independent contractors were found. However, in today’s gig economy, nearly any aspect of one’s bus... Read More

Mold, A Growing Problem For millions of years, mold has been a part of the environment. As mankind became more civilized, people became more concerned about the possible negative health effects of living with mold. In fact, the Bible even references mold as being “unclean.”... Read More

Hurricanes, Storms, and Wind Oh My – Understanding the Difference With an overactive hurricane season, 2017 brought devastation across the Gulf Coast and north along the Atlantic seaboard. The year saw a total of seventeen tropical storms, of which ten became hurricanes.Ending a 12-year span, where not one hurrican... Read More

Stacked Versus Unstacked Car Insurance – Coverage Insights One of the most important coverages within your automobile insurance policy is for uninsured and underinsured motorist coverage. In the United States, it is estimated 12.5 percent of drivers are uninsured. This is in light of all states requiring at ... Read More

Equipment Breakdown – Coverage Insights Practically every business depends on equipment to keep their operations running and revenues flowing. Equipment breakdown coverage insures all kinds of equipment types. Most common breakdown exposures include air conditioning systems, elevators, poi... Read More

Understanding Flood Insurance – Coverage Insights With over $20 billion in claims over the past 10 years, floods are the most costly natural disaster in the United States. Yet many real estate owners, from businesses to homeowners, often forgo the purchase of flood insurance when not required to by ... Read More

Can Changing Your Legal Entity Status Affect Your Insurance? As your business begins to flourish you may see the need to take it to the next level. The simple business structure you started not too long ago has outgrown itself. You need more out of the current structure you have in place. It may be time for an... Read More

The Most Important Clauses in a Rental Property Insurance Policy There are no two insurance policies that are the same. A rental property Insurance policy is very important for landlords and property owners to have because it can provide an ample amount of protection when you need it most.Understanding Rental Prop... Read More

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The above description(s) provide(s) a brief overview of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control.

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