Despite the overwhelming research documenting the health and behavioral consequences of underage drinking, some parents believe that allowing minors to drink under their supervision may lead to more responsible drinking in their adult years. Other parents believe that allowing minors to drink in the home is a better alternative to drinking outside the home. Regardless … Read more
An insurance deductible is the amount you, the insured, pay before any claim is paid by your insurance carrier. Depending upon the type of insurance, a policy may set the amount of deductible, or offer you the ability to select a deductible amount. Deductibles serve a dual purpose: they save the insurance company money (including … Read more
Errors and Omissions (E&O) insurance has many names. For some healthcare professionals, it’s called malpractice insurance. For lawyers, it may be called professional liability insurance. Whatever name it goes by, E&O insurance is designed to protect you or your company from potential financial damages that may arise from a client holding you responsible for a … Read more
One landmark study found that credit-based insurance scores are used by about 95 percent of all auto and home insurers in calculating the cost of insurance to individuals.¹ While the vast majority of insurance companies use credit-based insurance scores to help determine the price of insurance, it is banned in the states of Massachusetts, Hawaii, … Read more
If you own a gun, you need to consider whether you are covered in the event the gun is stolen or destroyed and protected against any potential liability should your firearm cause an injury. Gun ownership is a big responsibility and having the proper insurance coverage is an important element in meeting that responsibility.¹ PERSONAL … Read more
As a homeowner, are you responsible for the damage caused by a tree on your property that hits your neighbor’s home or other insured structure, such as a garage or shed? In most cases, the answer is “no.” When such damage occurs to your neighbor’s home due to forces outside your control (e.g., weather events), … Read more
Nearly 60% of Americans do not have a home inventory of their possessions, and of those that do, 48% do not have any receipts evidencing their value.¹ It’s great to have insurance against damage and loss, but if you can’t show proof of your possessions, it may result in a protracted settlement process with your … Read more
Liability insurance for directors and officers is not just for large public companies; it can be an equally valuable risk management tool for smaller businesses. Directors and Officers (D&O) liability insurance helps protect directors and officers of public and private for-profit businesses of all sizes, as well as non-profit organizations, and educational institutions. A D&O … Read more
An estimated 721,000 vacation homes sold last year. That’s down nearly 22% from the year before.¹ When it comes to insuring your second home, you may find that the coverage you need is quite different from what you have on your primary home. THE UNIQUE RISKS OF A SECOND HOME Your current homeowners policy may allow for … Read more
The backyard pool can be great summer fun, but it can also be a source of danger for children. Hundreds of children fatally drown every year. In fact, drowning is the leading cause of preventable death among children ages 1-4.1,2 If you have a pool or spa, here are seven simple tips to keep your … Read more
The stories of social media fails are legendary—companies using inappropriate humor regarding serious social issues, typographical errors, and pop references that backfire. These examples represent reputational issues that can affect your company’s brand and its sales. The mistakes in social media marketing that make the headlines can obscure other forms of risks presented by social … Read more
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