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Excess Policy or Umbrella Policy? What’s the difference and which is better?

By Accident, Auto, Business, business owner, Commercial, commercial auto policy, commercial insurance, commercial umbrella policy, commercial underwriting, excess policy, Insurance, Liability, self-insured retention

One of the questions a commercial lines underwriter hears most is, “Is your umbrella follow-form?” Basically, will it only increase the limits of my current coverage (follow-form), or will it also offer some additional coverage (umbrella)? …

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Common Misconceptions about the Personal Umbrella Policy (Part 2)

By Auto, extra protection, Home, Insurance, Personal, Personal Insurance, Personal Umbrella, personal umbrella policy, protection, Umbrella, umbrella policy

Back in 2017, I wrote about several misconceptions that are common to personal umbrella policies. While those four misconceptions still hold true, I thought I would turn this into a two-part series since there are other misconceptions that are quite…

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Save Money with Auto Premium Discounts

By Auto, Central, deductible, discounts, discounts & credits, Financial, Home, independent agent, Independent Agents, Insurance, insurance premium, loss, loyalty credit, package discount, Personal, premium discounts, protection, Saving Money

Many of us are well aware that owning a car can be expensive (especially a new car)! According to a AAA study, the average cost of owning and operating a new car was $773.50 a month in 2019. Expenses like…

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