If you manage your own rental properties, take steps to avoid the most common causes of loss related to tenant behavior. Tenant Guidelines Tip 1: To help identify good tenants develop a thorough application that asks for previous addresses, former landlords, work and salary history, bank accounts and references. Contact your local landlord association if […]

With more heavy rain headed this way, here are some tips for dealing with flooding.. Flood Safety Item 1: Keep a battery-operated radio in your home so you can listen to any flood alert broadcasts. Be sure to keep plenty of batteries on-hand. Flood Safety Item 2: Have a battery-backup sump pump installed and check it […]

When renting a car, you need insurance. If you have adequate insurance on your own car, including collision and comprehensive, this may be enough, but ask about hidden costs. Prior to renting a car, you should contact your insurance agent to verify how much coverage you have on your own car. Typically, the coverage and deductibles of your own policy will apply to […]

Most, if not all, non-profit organizations hold special events to help fundraise to continue their mission.  These events, especially if they are held off-premises, require liabilty coverage for the organization.  The unendorsed General Liability will not offer coverage to these events.  Generally, this means that the organization must purchase a Special Event policy, which will provide liability protection […]

Recently, I had a business owner inquire on supplemental Abuse and Molestation insurance for a massage / spa company. They currently had General Liability insurance however they were looking to supplement. Abuse and Molestation insurance covers the business for Liability Claims based on allegations of inappropriate contact by an owner or employee.   Generally, it is needed by any class of business that has […]

Non-Profit Organizations need to adjust their thinking in the new electronic culture and the new economy.  Nothing should be considered sacred when reviewing organizational operations.  The non-profits that survive will have looked at the positioning of their organization (image) and would have taken advantage of all of their resources (including people, both paid and volunteer) […]