Exterior of large two-story brick home with two-car garage. Large blue recycling bins at the roadside and deep blue skies all around.

Tips for Home Insurance Buyers in 2024

While most significant factors, such as weather conditions, climate change and economic inflation, are out of the control of homeowners, policyholders must still consider steps they can take to mitigate rising premiums and find any potential savings that may be available. Retaining adequate insurance protection is vital for financial security, even during difficult times. Consider…

General Liability Exposures Every Organization Should Know

Almost every organization faces commercial liability exposures. A commercial liability loss exposure is a condition or situation that presents the possibility of an organization becoming legally and financially responsible for injury, harm or damage to another party. These exposures stem from the kind of work an organization performs and where that work is executed. They…

Management Liability Coverages

While every business is unique, there are universal exposures that all businesses face. In addition to insuring your specific risks, you need to consider coverage that will protect you from common exposures generated by everyday business operations. For larger organizations, the diversity of risk and probability of higher claim frequency make it more effective to…

The Basics of Personal Umbrella Coverage

A personal umbrella liability policy provides an extra layer of insurance coverage over your standard liability policies. It protects your personal assets by kicking in when your standard liability coverage is exhausted. If you are found to be legally responsible for injuring someone or damaging their property without a personal umbrella liability insurance policy, anything…