Independent Insurance Agent and Risk Manager
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Coordinating Personal and Business Auto Insurance

Uncategorized / March 28, 2011

Is it just business when it should be personal? How best to coordinate personal and commercial lines Alvin is president of Adams Homes, Inc., a family-owned business. The business owns five pickup trucks and Alvin owns three private passenger autos. Alvin wants to insure his three personal cars under the company’s business auto policy. Betty is president of Beautiful […]




Securing Your Home for Vacation

Uncategorized / March 23, 2011

Planning to go out of town for spring break? Watch for six steps to help secure your home while on vacation. Secure Home Step 1: Let trusted neighbors know you are leaving and ask them to keep an eye on your home. Give them your insurance agent’s phone number in case of damage to your […]




Loss Control Tips for Rental Property Owners

Uncategorized / March 10, 2011

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 […]




Safety and Loss Prevention Tips for Flooding

Uncategorized / March 10, 2011

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 […]




Do I Need Insurance to Rent a Car?

Uncategorized / February 8, 2011

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 […]




Non-Profit Special Events

Uncategorized / January 26, 2011

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 […]




Abuse & Molestation

Uncategorized / January 18, 2011

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 […]




The New Economy means New Ways of Thinking by Non-Profit Organizations

Uncategorized / January 14, 2011

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) […]




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