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What is Flood Insurance? Who Needs It? A typical flood insurance policy from the National Flood Insurance Program (NFIP) is designed to cover losses directly caused by flooding to your building and the contents within it. Floodsmart.gov defines a flood as “an excess...

Types of Deductibles - Homeowners Insurance With a lot of weather-related damage occurring in our region lately, it’s important to review your home and other property insurance policies to make sure you understand what would be covered in the event of a claim. In...

Employee Benefits Liability As an employer, it is often difficult to find and retain employees. One thing that can make you stand out from the crowd is to offer employee benefits like health insurance, life insurance, 401(k), and maybe even disability benefits....

What Is Errors & Omissions Insurance? Does My Business Need It? Errors & Omissions (E&O) insurance is sometimes referred to as Professional Liability. It provides protection for your business against liability for errors or omissions committed while...

Rental Reimbursement Coverage on the Personal Auto Policy Insurance polices can be confusing to read. Sometimes, there are additional coverages listed on your policy that are named in a confusing way. The way a coverage is named might cause you to assume that it does...

What Property Does My Homeowners Policy Cover? One of the more common reasons that Homeowners Insurance claims are denied by the insurance company is due exclusions or limitations in the policy. Understanding what kind of property your homeowners insurance does and...

Disability Insurance – Do I need it? Why is it important? What would happen if you became disabled and were unable to work? Would you be able to continue to pay for bills and living expenses? Disability Insurance can help answer these questions. According to the...

United States law requires that you must maintain auto insurance if you want to legally drive in any state. As a result, the largest line of insurance written in the U.S. was found to be Personal Auto Insurance according to a study completed by the NAIC. Just like...

What’s the Difference? When you consider your most valuable assets, your home is probably at the top. Did you know that insurance companies provide coverage for your home in more than one way? The two most common ways that homes are insured are on the basis of...

What Happens to a Life Policy with No Beneficiary? When you purchase a life insurance policy, one of the big questions is “who should receive the policy benefit?” The beneficiary could be a spouse, child, or business partner. But what happens when the person being...