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If you’re a contractor who is unhappy with their general & umbrella liability insurance rates or coverage we want you to know there is a way to get HELP! Questions: 1. Is your liability insurance with a “Main Street” or “Surplus Lines” company? Preferably you want to be with a “Main Street” company but the

Homeowner’s insurance policies include personal property at a fixed amount based on the replacement cost of your home. However, coverage amounts may be limited for certain types of personal property and if any of those items are stolen or damaged, your policy may not cover the loss fully. Examples of items that have coverage limitations

As more states legalize marijuana for medical and recreational use, the associated risks of increased cannabis use may start affecting individual insurance coverage. The effects span across a number of insurance lines, including homeowner’s, auto and life insurance. There are number of issues that may arise when cannabis enters the equation, such as growing plants

The costs for businesses when their employees are involved in car accidents on and off the job are staggering, at $72.2 billion a year, according to a new study. The “Cost of Vehicle Crashes to Employers ― 2019” study, released in March 2021 by the Network for Employers for Traffic Safety, looks at how much

Workers’ compensation insurance provides coverage for medical benefits and wage replacement when an employee is injured or killed on the job. When an injured employee accepts workers’ compensation payments, he or she legally gives up the right to sue the employer later for damages or negligence. This is commonly known as the compensation bargain, and

Some of the riskiest locations for roadway collisions are work zones, as they often result in changes in traffic patterns and right of way, along with workers present and large commercial vehicles on the scene. Work zones are designed to improve the safety of workers who are enhancing or repairing roads, freeways, bridges, sewage and