Surety Bonds A surety bond is defined as a three-party agreement that legally binds together a principal who needs the bond, an obligee who requires the bond and a surety company that sells the bond. The bond guarantees the principal will act in accordance with certain laws. If the principal…
If you are having a public event whether a wedding and reception or a festival you need the protection of Special Event Insurance. Our Event Liability Insurance is designed to protect the policyholder against lawsuits, claims made related to bodily injury of others, and property damage to the rented premise. Many businesses sponsor…
Public Livery Insurance For-hire livery insurance, also known as livery insurance, is a type of commercial auto coverage for vehicles that are used by businesses that generate revenue from transporting people. Limousine services provide chauffeured vehicles for hire. Operations vary, but can include transportation services for corporations, such as transporting executives…
What Is Professional Liability Insurance? Even if you’re an expert in your business, you may make a mistake and if the client or customer thinks the mistake impacted them financially, you may be sued. Professional liability insurance, also known as errors and omissions insurance, or E&O insurance, helps cover you…
Personal Auto Insurance What’s required? Bodily injury liability and property damage liability are all that is strictly required, and the minimum amount of coverage and varies state by state. Bodily injury liability This covers money to pay for any injuries or death that occur to the other driver or…
What makes up your homeowners policy and what is required You aren’t able to pick and choose what categories you want – there are six different components to homeowners insurance, all of which are required, which we’ll discuss below. However, depending on your possessions, type of home, and your…
Business Liability Insurance Do You Need Business Insurance? You may ask yourself, “Why do I need business insurance?” Businesses need business insurance for many reasons. One reason is that in the U.S., most states require certain coverages in order for a business to operate there. This usually includes workers’…
Umbrella Insurance Imagine that you’re just a few years away from a well-deserved retirement. You’ve got a sizable retirement account, plus a house and car that are fully paid off. Altogether, your assets amount to a little over a million dollars. In short, life is pretty good. Then, one day, you get into…
Although we have gotten off lightly with regard to winter weather this year, it looks as if that is going to change. Heavy snow and high winds are predicted and with that comes power outages and other damage. Remember, regardless of the weather, we are here for you and your…
Many are still expressing shock and dismay at the recent Supreme Court ruling in favor of the Affordable Care Act (aka the healthcare reform law), once thought to be blatantly unconstitutional by experts and novices alike. In fact, many still believe that the law is not valid….
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