DO YOU NEED CYBER INSURANCE?

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  DO YOU NEED CYBER INSURANCE? A 4-QUESTION QUIZ. 1. Does my company rely on any digital critical infrastructure to function and/or make money? Think email, internal systems, network machines, dispatch systems, etc. If your company relies on any piece of technology described above and would be unable to generate revenue if this infrastructure was […]

A Timeline for Getting Your Teen Driver on the Road Safely

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Teens eager to drive often have parents equally concerned about keeping their new drivers safe. In fact, the rate of fatal crashes per mile driven for teen drivers is 3X that of drivers over age 20.1 The reality is that novice drivers can take years to develop real-world experience behind the wheel. Until then, parents can set […]

6 HOME RENOVATIONS THAT CAN AFFECT YOUR INSURANCE

home reno

  6 HOME RENOVATIONS THAT CAN AFFECT YOUR INSURANCE If you’re planning a home renovation, you may want to call your insurance agent first because this decision can impact your homeowners insurance. Some home renovations will change the amount of coverage you need, while others could even help you qualify for a discount. We cover […]

Top 5 Reasons Why Consumers Should Use an Insurance Broker

Top 5 Reasons

  Top 5 Reasons Why Consumers Should Use an Insurance Broker Consumers generally think they benefit when they buy insurance direct, but is it true? To find out, one group of researchers asked people what matters to them when buying insurance, and in turn the research panel used those criteria to evaluate the differences between […]

Should I Purchase an Umbrella Liability Policy?

Umbrella Liability Policy

If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney’s fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That’s what a personal […]

Car Safety Can Get You Discounts on Car Insurance

Car Safety

If you are in the market for a new or used auto, it is almost always a good idea to check into the cost of insurance before finalizing your purchase. Generally speaking, expensive cars are also more costly to insure. Moreover, every vehicle has a safety rating that may affect the cost of your premium. Factory-installed safety features often […]

What Kinds of Business Insurance Do You Need?

Risks ahead

Business insurance is one of those gray areas.  Do you need it or don’t you, and, if so, what kind?  For certain businesses – for example, amusement parks and healthcare related industries – it’s an absolute necessity from the get-go, but what if you run a freelance business or engage in low-risk work?  Is business […]

Rethinking Your Stance on Earthquake Coverage

Earthquake Insurance

Only 17% of California’s homeowners have Earthquake insurance.  Are the rest in denial–or making a rational choice? Some financial planners suggest the latter. They say that the majority of California homeowners are opting out after weighing the relatively remote chance of a temblor destroying their homes against the high cost of today’s earthquake coverage. But […]