Asset Protection
A Home Inventory – Why You Need One and How to Do It
We hope that you’ll never lose any of your valued possessions to fire, theft, storm damage or some other catastrophe. But under the heading of “expect the best and prepare for the worst,” you should take the time to create a home inventory just in case. A thorough and well-documented inventory will save you quite…
Read MoreCommercial Fire Coverage
There’s no good time or place for a fire, but a fire at your place of business can be especially costly. In many cases the costs associated with the physical damages and restoration take a backseat to the costs of the interruption to business activities. Income can very quickly slow to a trickle or stop…
Read MoreCredential Stuffing: The Path of Least Resistance for Hackers
With all the high-profile hacking and ransomware incidents in the news lately, from Baltimore City’s ransomware woes to Atlanta losing eight years’ worth of body-camera video, you’re probably wondering what steps you can take to insulate your company and yourself. The answer begins with understanding how many hackers operate. You might picture a hacker hunched…
Read MoreRenovation and Risk: Insuring Your Improved Home
Planning a home renovation project is exciting and sometimes stressful, with so many choices to be made: cabinet styles and finishes, flooring, countertops, hardware, paint … the list goes on. Many people miss one very important step, however … your homeowner’s coverage may need a little improvement as well. First, begin with the end in…
Read MoreFlood Insurance
The sudden and tragic flooding in Ellicott City over Memorial Day weekend was a sobering reminder that sometimes lightning does strike twice in the same place, so to speak … we saw similar flooding there in 2016, and this time around the damage was even more severe. The forecast that day called for a chance…
Read MoreWait – that accident wasn’t my fault! Know your rights as a claimant.
If you have an auto accident where you are at fault, your insurer covers the damages under the terms of their contract with you, and that coverage is subject to the terms and conditions of that contract. However, what many people do not understand is how that scenario changes when the other driver’s insurance is…
Read MorePardon the Interruption
Just about every business owner has taken steps to protect themselves against losses like fire or water damage. But what if one of those happened to a key supplier or partner? Could your business – and its reputation – withstand a suspension of operations? That’s why there’s Business Interruption Coverage. Please view the attached video for some…
Read MoreLessons from the Outer Banks
Imagine for a moment that you’ve fulfilled your lifelong dream of launching a business at the Outer Banks of North Carolina. Maybe it’s a paddleboard rental place, or maybe you make designer cupcakes for vacationing families. Either way, you’ve done it: you’re all set up in an idyllic location with a low-stress operation to ease…
Read MoreConsidering a New Car?
Beyond the sale price, insurance is one of the most important financial questions to consider before buying a new car. Most states require individuals to purchase insurance coverage to drive legally. Auto insurance can be divided into two basic coverage areas: liability and property damage. When shopping for auto insurance, premium quotations are a useful…
Read MoreManaging Your Brand
When we speak about Brand Management, we hit on one of the most important aspects of insurance. What is your company’s brand as seen by the insurance industry? If your renewal process goes like this, then I would hazard to say you have brand damage: Step 1 – You meet with your current broker to…
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