January 15, 2021
Personally identifiable information (PII) is any data that can be used to identify a specific individual. The following list contains examples of information that may be considered PII. Name, such as full name, maiden name, mother‘s maiden name, or alias Social security number (SSN), passport number, driver‘s license number, taxpayer identification number, patient identification number, […]
January 15, 2021
The standard Property coverage will cover for physical damage or theft to your computers – tangible property. The Cyber policy will provide coverage for loss of Digital Assets, Non-Physical Business Interruption and computer damage by illegal encryption from a Ransomware attack.
January 15, 2021
Absolutely…Your Commercial Package policy and Workers’ Compensation policies will only provide domestic coverage – U.S. including territories and possessions, Puerto Rico and Canada. Your business will likely need International Commercial General Liability coverage, Workers’ Compensation and Repatriation coverage. Please let us know if you have any overseas sales or manufacturing.
January 15, 2021
We are most familiar with an Occurrence policy such as Auto or Homeowners insurance or most Commercial General Liability policies. These policies are triggered by the date of the “Occurrence”. If a claim develops for an injury that occurred two years ago, we simply report the claim to the insurance company that provided the coverage […]
October 26, 2020
Your homeowners’ policy will cover repairs or rebuilding of your home is damaged by fire, hail, lightning, or other perils listed in your policy. A standard homeowners’ policy does not cover damages caused by earthquake, flood, or normal wear and tear. Dwelling – Coverage A: Provides coverage for the main structure on your property. Losses […]
October 26, 2020
Both you and your roommate have your own belongings, and neither of you has insurable interest in the property owned by the other. In order to insure your property, you will need your own policy. More importantly, the renters’ policy provides Personal Liability coverage to protect you should someone become injured at your home/apartment, or […]
October 26, 2020
Info about vehicles including odometer reading and estimated annual mileage. Info about drivers including birthdays and license numbers. Property policies will require info about dwelling including year built, foundation type, square footage, alarm, roof type, renovation years, dog breeds in home, and claim history. We are able to pull some information off of home listing […]
October 26, 2020
There are many factors that come into play when determining the cost of auto insurance. The year and value of vehicles, your chosen limits of coverage, and your age and past driving record are all rated to determine your premium.
October 26, 2020
After getting the appropriate medical attention, get their name and contact information and reach out to your agent with a description of the incident or any photos you might have. They will be able to submit a claim on your behalf.
October 26, 2020
If your dog injures someone other than yourself or residents of your home, yes, your Personal Liability coverage found in your homeowners’ policy will respond to the claim. Many insurance carriers exclude coverage from certain dog breeds. Be sure to check with your agent.