Articles
Understanding Your Auto Insurance Policy’s Rental Car Coverage
When you car gets damaged in an accident or stolen, the repair or recovery cost is only part of the story. Without another vehicle available, your only recourse may be to rent one. The good news is that your policy may already include coverage to defray the cost of a...
Preparedness Tips For Hurricane Season
Hurricane season starts at the beginning of June and lasts until the end of November. The 2023 hurricane season is shaping up to be "near- or above-normal" one according to forecasts by NOAA, with 12 to 17 named storms and an estimated six to nine hurricanes. But if...
Are You Covered for Personal Use of Company Vehicle?
Getting a company car is a coveted perk for employees, but it can also cause some coverage issues with your personal auto policy. The standard auto policy excludes coverage for non-owned vehicles furnished or available for your regular use. This means you are relying...
Understanding Your Boat Insurance Policy
If you have a boat or are considering buying one, you should understand your insurance obligations and what is permitted under your coverage. Owning a boat opens you up to a whole new set of liabilities, particularly property damage to a third party or physical injury...
When to Make a Police Report for a Claim
After an automobile accident, most people are a bit confused and frightened. And the last thing on your mind is trying to figure out whether you need to report the accident to law enforcement authorities and what your insurance company requires of you. Depending on...
Don’t Gamble on Minimum Coverage Policies
One of the biggest pitfalls a car owner can make is buying the minimum liability limits required by their state. While the minimums vary from state to state, in all cases they are woefully inadequate to cover the costs of a serious accident if you are found at fault....
Use Heat Lamps for Your Pets with Caution
Every year, dozens of pets and farm animals are killed after heat lamps that are meant to keep them warm during cold periods catch fire. Besides the avoidable deaths of the animals, these fires can often burn down an entire home or barn, causing hundreds of thousands...
New Car Totaled; Will Insurance Pay Off the Loan?
It's the nightmare scenario for any new car buyer. You drive it off the lot and a few days later another driver runs a red light, smashing into your car and severely mangling most of the front end and irreparably damaging the frame — essentially totaling the vehicle....
Employers Expect Higher Premiums, Little to No Cost-Shifting
Employers who were surveyed for a new report expected that group health insurance premiums would increase 5.4% this year and at a faster clip in 2024 as inflation hits medical costs. Employers said they are looking to manage growing group benefit costs without...
Budgeting and Prepping for Open Enrollment
If you are running a business, you need to get an early start on preparations for your small group health plan open enrollment, particularly now as so much confusion abounds about the state of health insurance in the country. With recent new regulations, options have...
Investigate Causes of All Workplace Injuries
OSHA encourages employers to investigate all accidents in which a worker was hurt, as well as close calls — sometimes called "near misses" — in which an individual might have been injured if the circumstances had been slightly different. The agency suggests using the...
Managing Your Corporate Vehicle Exposure
Automobiles are one of the most significant exposures to loss a company can face. To ensure that you effectively manage your company's vehicle liability and risk exposure, you need to have an effective risk management strategy. Without one, the consequences to your...