Month: May 2014

Hurricane Season is Here. Are You Covered?

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July 1st marks the beginning of hurricane season. If you live on or near the coast, be sure to check your homeowner’s policy to be sure you are covered for the full replacement cost of your house and its contents.  Storm surges can wipe out homes close to the shore, so take time to check that your jewelry, art, family heirlooms, and any other valuables are adequately covered by the policy limits or additional property riders (see our post on high value items for more information on insuring your valuables). (more…)

A Golf Course Perfect Lawn Every Year

Follow our tips and you'll have your yard looking this picture perfect.

Everyone wants to keep up with the Joneses and there is no situation that holds more true to that axiom than the state of our lawns.  Since it looks like we’ll be having a hot summer, here are a few tips and tricks for keeping your grass looking the best in your neighborhood. (more…)

Reducing the Pains of Filing Claims

Unfortunately accidents can happen, and always more than we would like them to.  When something goes wrong, it is the job of your insurance company to make sure that you are made whole financially after a covered incident occurs.  Knowing what to do and how to best let the insurance company serve you is key to getting any insurance claim you file paid quickly and completely.  Here are the basic steps to the process and some helpful tips to expedite the process: (more…)

Cyber Security: Insurance for the Future

CyberCollage

Technology is changing more rapidly today than ever before in human history.  The advancements in connectivity between people and businesses have led to an unprecedented global interconnectedness. With any new system there will be those who try to exploit loopholes, break and bend laws, and illegally profit from others.  In recent years, the highly publicized information leaks and system hacking of several major companies have been all over the headlines.  The risks of cyber attacks on businesses were made most clear after electronic giant Sony’s PlayStation network was hacked, resulting in the theft of many of its customers’ billing information. (more…)

Disability Insurance vs. Workers Comp: What do they cover?

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The US Bureau of Labor Statistics states that the number of Americans who miss work is about 12 per 1,000 fully employed workers over the past few years.  In total, this means about 1.2 million people missed an average of 8 days of work each year in 2011 and 2012.  What happens to these people when they are injured varies depending on how they are covered by their insurance.  If they work for a company with 3 or more employees, then they will be covered by a workers compensation policy if the injury or illness occurs on the job.  Any officers who have excluded themselves from their workers compensation policy or people who miss work due to an occurrence outside of their job will only be covered if they have a disability policy.  Knowing the differences in these two insurance types is essential in keeping yourself covered and not financially devastated if you become physically or mentally unable to work. (more…)