Thursday, April 13, 2017In order to properly value your personal possessions, you have to go through the tedious, difficult process of documenting what you own. The following list could be very helpful in identifying what you own and, more importantly, be used as proof of loss in case disaster strikes such as a serious storm, theft, or fire. READ MORE >>
Thursday, March 23, 2017One of the most important actions a person can take to protect against the loss of property is to buy insurance. It involves taking time to find what type of coverage is needed, how much coverage is necessary, what insurer to deal with and whether one can afford adequate protection. READ MORE >>
Tuesday, January 31, 2017If you own and/or run a smaller business, your insurance needs may be properly handled by a businessowner policy (BOP). A BOP is a single form that offers both property and liability protection. Retailers, wholesalers, small contractors, artisan contractors, dry cleaners, restaurants, offices and convenience stores (including those with gas pumps) are eligible for BOP coverage. READ MORE >>
Monday, January 30, 2017Let's say you have a policy for your home and your family's cars. You have just the right policy for the apartment you rent out to others as well as coverage for your boating excursions. Your homeowner's policy even has a special, added protection for the business that your spouse runs out of your home. READ MORE >>
Monday, May 2, 2016Register as a Contractor for the First Time If this is a new business, you must do the following: Choose your business structure. If you are going to operate as a Sole-Proprietor or General Partnership, skip to step 3. READ MORE >>
Tuesday, April 19, 2016 While motorcycles operators and their driving considerations are quite different than persons operating other, larger, enclosed vehicles; there is one, major similarity…..the need for insurance protection. Most states have financial responsibility laws requiring you to carry proof that you are able to pay for any damage or injury you may cause while driving. READ MORE >>
Thursday, April 7, 2016Businesses price their products to cover the costs of production as well as their labor, sales marketing and other major expenses. Prices also reflect some post-sales costs such as handling repairs or replacements under warranty. At one time many industries used a pricing strategy for their products that failed to reflect their true costs. READ MORE >>
Wednesday, March 30, 2016 Most homeowner policies provide very limited coverage for jewelry. The reason? Jewelry is high-valued (especially in relation to its size), is easily lost or destroyed and is vulnerable to theft (as well as fraud). If you only own a modest amount of jewelry (say just a few hundred dollars), perhaps the limited coverage provided by a basic policy is adequate. READ MORE >>
Thursday, March 24, 2016Whether we insure our car, our home, our boat, our personal property or our business, there is a basic premise of insurance that underlies them all…..sharing in losses that occur to them. A more common term for loss-sharing is deductible. READ MORE >>
Tuesday, March 22, 2016An insurance policy is a promise to protect you against certain types of loss, but it can't follow-through unless it knows about a loss. Prompt notification is so important that it is a formal policy requirement. A policyholder that fails to meet this obligation could result in a claim being denied. READ MORE >>
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