Lack of insurance may be a cause for personal liability Lack of sufficient capitalization may be cause for personal liability Co-mingling funds may be cause for personal liability A question I see pop up in many industry forums, especially among smaller businesses (i.e. Read More
Flood Insurance – What You Need to Know
According to Federal Emergency Management Agency (FEMA) 90% of all natural disasters involve some type of flooding. The average dollar value of damage when flooding occurs is $43,000 Most standard homeowner and renter's insurance policies don't include flood insurance. For most Read More
Home Insurance: Finding The Sweet Spot Between Too Much and Not Enough
Having a disaster, such as a hail or a windstorm, hit your home, is the last thing a homeowner may expect. Homeowner's insurance is designed to minimize the costs of those disasters and other unexpected issues. Every plan is not created equal, however. Homeowners need to make sure Read More
Airbnb Insurance – Know Your Risks Before Renting Out Your Home or Rental Property
Simply Renting out your home using Airbnb isn't as simple as you may think. Home insurance coverages vary when it comes to rental properties, as the majority of home insurances are only applicable to owner-occupied properties or long-term rentals bound by leases. If Read More
Lemonade Insurance Leaves Firearm Owners Empty Handed Because it Doesn’t Understand
Lemonade Insurance doesn't understand you can't get a little bit pregnant. Albeit that's exactly what it appears Lemonade Insurance is trying to do. In its wake will likely result in extreme client frustration for firearm owners who choose to use this carrier. For Read More
Candle Making at Home For Commercial Sale – What Types of Insurance Coverage?
If you make and sell candles at home, you may be risking much more than you think if you believe your homeowner's policy is protecting you. Recently, someone asked what types of coverage is needed for their candle making business. Generally speaking based on the states I'm Read More
What is an Umbrella Insurance Policy?
What is a Personal Umbrella Insurance Policy, and How Can It Protect Me? In the world of insurance, a personal umbrella is an added layer of personal liability protection. Here's a quick breakdown of what a personal umbrella insurance policy is. An umbrella Read More
Duty To Mitigate – What Do I Need To Do After An Accident?
If you suffer a loss that's not your fault or is mostly someone else's fault, you have rights and obligations, and understanding what your obligations are and reasonably performing your obligations can be a significant help towards protecting your rights. In other words, even Read More
Drone Insurance – Insurers are Preparing For Aviation Drone Insurance to Take Flight
How cool. For father's day, my wife gave me a drone as a gift with a camera attached, and I quickly had it flying and well above my house. It didn't take long after it was airborne that it was stuck in a tree. That required taking out the chainsaw and cutting the tree Read More
Progressive Insurance Coverage in Wisconsin
You may know Progressive for their catchy TV commercials promoting its auto insurance lineup and value pricing, but that's only part of the picture. Progressive Insurance is more than simply an auto insurance company. Progressive offers insurance for boats, snowmobiles, Read More
What Happens If A Storm Damages My Roof?
Spring is known for it’s unpredictable weather. One minute it’s warm and sunny, the next it’s dark and stormy. There might even be a few cold and icy days thrown in here and there. You never know what's around the corner! The good Read More
February Home Maintenance Tasks
Each month in 2016, we’ll be sharing a short list of tasks and ideas of things you can do to help take care of your home, vehicle, and family. Consider them a helpful reminder of what needs to get accomplished throughout the month to keep your important items Read More
Ask Your Insurance Agent: Are Items In My Car Covered?
Today I’m answering a question I hear all the time - “Are my personal belongings covered if someone breaks into my car?” Unfortunately, they typically are NOT covered! Your auto insurance covers your car from damage and accidents, but not the items Read More
5 Biggest Mistakes When Buying Insurance
Insurance can be a tricky purchase. Auto lienholder happy? Check. Mortgage lender happy? Check. But this simply isn't enough! Some things on your insurance policy deserve a little more attention. As an insurance agent, here are some of Read More