Please read and comment on our blog about a wide variety of insurance topics. Please feel free to ask us any questions.

 

Understanding Your Personal Umbrella Policy

A personal umbrella insurance policy will provide extra coverage for you and your assets. It can kick in when other insurance coverage is not enough, but it is not a catch-all policy designed to cover everything. Personal umbrella insurance provides two basic types of coverage – liability and defense costs. What Is Personal Umbrella Coverage? An umbrella policy can cover what primary insurance excludes or...

My 401(k) Is "Frozen" — What Does This Mean & Why Did It Happen?

The decision to freeze a 401(k) is made by company management. This often occurs after a merger, while the new company decides what to do with its inherited 401(k) plan. If your 401(k) has been frozen, you won’t be able to make any withdrawals or make any new contributions as long as the freeze continues. In most cases, you can move assets from one investment...

Personal Data Privacy - Protect Yourself

PERSONAL DATA PRIVACY/CYBER LIABILITY  Technology has become so ubiquitous, it is hard to live without it.  It comes with  huge advantages, but also risks – and insurance companies are starting to recognize the need to protect our customers in the face of cyber threats. Today we have the ability to shop, stream movies and music, manage our bank accounts and even send and receive money through various...

Directors & Officers Liability Insurance Vs. Errors & Omissions Liability Insurance

No matter the type or size of your business, it is important to have adequate insurance coverage to protect you from liability. For protection from claims of malpractice or improperly performed services, you need errors and omission liability insurance. But this type of policy won’t cover you for every eventuality. To fill in the gaps, you may also need a directors and officers liability insurance...

Homeowners Insurance For Tiny Homes

The trend toward tiny homes has become a social movement in recent years. Many people are choosing to live with less, simplify the way they live, and downsize the space they live in. Individuals, couples, and families all over America are embracing the philosophy that goes along with the tiny home lifestyle. But even a tiny home is an investment that needs to be protected...