Why all Businesses Need a Commercial Umbrella Liability Policy

Commercial Liability Umbrella policies are very similar to a personal umbrella policy that a homeowner might carry to give themselves additional liability coverage that applies to all of their properties and vehicles….home, auto, boat, cabin, etc. Commercial umbrella policies provide that same additional liability coverage for all of a business’s assets, but there are additional […]

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Flood Insurance for Businesses and Commercial Property

Flood insurance for businesses and commercial property, whether you own or rent your space, is just as important as it is for private homeowners……and in some cases even more important because the potential financial losses incurred in a workplace flood loss can easily be more than any private homeowner might experience because of the value […]

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Employment Practices Liability Insurance

Employment Practices Liability is absolutely critical for any company with employees, as it provides protection from litigation that could arise from past, present, and even prospective employer/employee relationships. Most businesses are sincerely working to grow and strengthen their business when they look to hire employees, and they want to take care of those employees so […]

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Fidelity and Surety Bonds

Fidelity and Surety Bonds are required and issued for a wide variety of circumstances both personal and commercial. They are essentially a contract between two people or entities, and the bonding company. This contract basically says that one party will promise to do what the other party is requiring under penalty of a financial penalty, […]

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Cyber Liability and Data Breach Expense Coverage

Cyber Liability and Data Breach Expense Coverage is an insurance coverage that has come along in the past 10 years as a response to the significant amount of sensitive data that is stolen every year by criminal hackers. While it started out as a separate policy, it is now integrated into most Business Owner Policy […]

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Choosing Between Copper and PEX piping

There is no clear or consistent victor between copper and PEX piping. Neither is perfectly suited for every home. As with any hardware, there are benefits and drawbacks associated with each. A variety of factors must be considered for you to determine which would better serve your needs. Depending on the region in which you […]

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Is Failure the Key to Parenting Success?

Like most kids, my kids hate homework. One of them really, really hates homework. Every evening we engaged in major homework battles. I am sure this sounds familiar to some of you. After consulting his teachers and many wise parents, the best advice I received was, “quit fighting him and let him fail.” WHAT?!?!? Aren’t […]

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