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Hurricane Season: Planning and Preparation for Severe Storms
The 2020 Atlantic hurricane season has begun (June 1st to November 30th, 2020). Now is the time to create or update a disaster plan in preparation for severe storms and hurricanes. The following links include various resources from government agencies, our advice for protecting life and property, and additional insurance related advice for the hurricane…
A Contract of Indemnity: The Real Meaning of Insurance
Insurance means different things to different people. Wikipedia (via multiple sources) once defined insurance as: The equitable transfer of the risk of a loss, from one entity to another in exchange for money. It is a form of risk…
Mysterious Disappearance or a Theft Insurance Loss?
One of the common covered perils under a property policy, such as homeowners insurance, is theft. A theft is evidenced by forcible signs of entry or exit from the location in which the loss occurred. This evidence can include things…
The Application of the Application for Insurance Coverage
The application for insurance is a transfer of information from a prospective insured to an insurance carrier. The representations made by the person seeking insurance are considered by the insurer in determining whether or not an offer of coverage will…
Workers Compensation Costs Can Be Managed!
Workers Compensation Costs Can Be Managed by Following These Simple Rules Every employer can take these 8 simple steps to help control their costs related to workers’ compensation insurance. 1. Hire the best person for the job Take time to…