1. Only use an insured (and bonded when necessary) contractor. It's always possible to find someone who will do the job for less than a reputable, responsible contractor. It's simply not worth the risk. When you choose to use an uninsured contractor, you are also choosing to be held responsible (and possibly legally liable) for their actions and any damage they cause. Also, demand confirmation in writing from the contractors that all of the subs used for the contract either have their own insurance, or are listed by name on your contractor's policy.

1. What type of liability coverage do I need?
Business insurance should never be approached with a “one size fits all” mentality. For every individual business, there will be a unique set of needs and a correct strategy for protecting the operations and assets of that business. For instance, virtually every business needs General Liability coverage to protect against accidents and injuries that may occur. Additionally, coverage for Professional Liability, Errors & Omissions,
Directors & Officers, Completed Operations or other specific coverage may be necessary. Consult with your ​risk management advisor to seek the best fit for you.

1. Do I need to purchase the additional rental car coverage?
When you travel, the rental car company will likely offer you additional coverage for physical damage to the vehicle. Your personal auto policy does provide coverage for physical damage liability to unowned vehicles, but that would require you to file a claim against your own policy for a vehicle that you don’t own. We always recommend our clients avoid this hassle and potential increased cost on their personal auto policy
for three years from the date of incident, and simply choose to pay for the extra coverage. Peace of mind is worth a few extra dollars per day that you are traveling.

Welcome to our new insurance agency blog!
 
This is our very first post. We're not quite sure what we're going to write about here, but the plan is to create helpful content for customers and prospective clients about information that is relevant to you.
 
We hope you'll come to view this as a top resource for keeping your family and your finances safe.
 
Here are a few of the topics we may be writing about:

• Answers to clients' frequently asked questions.
• Helpful information about insurance shopping.
• Safety and Health Tips and Ideas.
• Local Community Information.

 
Stay Tuned!