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Insurance Exclusions

Covered on Campus – Protecting Your Student at College

It’s the time of year when we start sending our children off to college, and there are seemingly hundreds of details to be attended to, from class schedules to roommates to new computers to be purchased. Add in the emotion of the moment (especially if it’s the first time) and it can all be a…

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Storm damage? What’s covered?

Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property. Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your…

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Insurance for Construction: What You’re Missing

If you’re still price-shopping insurance for your construction business every year at renewal time, chances are good that you’re missing out on some important benefits. The cost of your coverage is important, of course, but more important are your overall risk profile and the service you’ll receive. Let’s take a look at four key issues…

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Spreading Your Wings Again: Travel Insurance Basics

As we continue to hope that the rest of 2022 will bring a gradual return to normal, many are beginning to plan to travel again. It’s important to remember, though, that even aside from the ever-changing travel restrictions related to COVID, things can and do go wrong with travel. Travel insurance can help to protect…

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Insuring Your Landscaping

For those of us in Maryland with a yard to take care of, by the end of summer, your outdoor living spaces are probably looking pretty sharp. You may have spent a lot of time and money on the outcome, but did you know that your homeowner’s policy may value high quality plants, mature trees,…

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Scheduled Business Property

Last week, we discussed what other personal belongings you may want to insure separately. Here, let’s look at some business assets that might warrant additional coverage. Technology: Most companies use computers these days, and many also issue smartphones, tablets, or other devices to employees. A specialized business technology plan can cover accidental damage, liquid spills,…

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Scheduled Personal Property – What Else Should I Insure?

Have you heard of supermodels insuring their legs or singers taking out a policy on their priceless vocal chords? That’s probably not necessary for most people, but many of us probably do have a few valuables that can and should be insured separately. A standard homeowner’s or renter’s policy will cover many of these items,…

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