Asset Protection

Flood 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…

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Wait – 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…

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Pardon 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…

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Lessons 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…

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Considering 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…

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Managing 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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Personal Risk Assessments – Seeing the Whole Picture

If you’re like most people, the last time you took a close look at your personal auto coverage was when you purchased a new vehicle or added a new driver. And most likely, your homeowner’s policy was last reviewed when you bought or refinanced your home. And those were probably two separate discussions. We prefer…

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Protecting your Home from Ice and Snow Damage. Are you protected?

Need Homeowner’s Insurance? Click here to get a quote for Homeowner’s Insurance Those of us who live in cold climates get to enjoy the fresh, crystalline beauty of a snowy, icy landscape. Sometimes, a mere glimpse out the window reveals an outdoor winter wonderland of sorts, one where all is white and shimmering, where pine…

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Getting Ready for Fire Season – Clean your chimneys and wood stoves

Click here for a Homeowner’s Quote Nobody wants poor old Santa to emerge from the chimney looking like a scary, sooty monster. Now that the weather is truly chilly and the generous man from the North Pole is on his way, it’s time to think about your chimney and/or to make sure your wood stove…

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Internet Business (and Insurance)

Are you a business owner looking for a Quote? Click here for a Business Owner’s Policy Quote If your business promotes or markets its products or services over the Internet, there are unique property and liability risks. For example, you are vulnerable to major loss exposures from malicious attacks, loss of service or theft of…

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