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Liability

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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Are Your Servers Trained and Certified with TIPS?

By alcohol awareness, alcohol awareness training course, alcohol consumption, alcohol related accident, alcohol training, bar, bar owners, bartenders, Business, Commercial, COVID-19, Employees, fines, football season, Insurance, intoxication, Liability, Loss Control, loss control representative, Prevention, restaurant, safety, Safety Tips, servers, TIPS, workers' compensation

We didn’t know if there would be a football season this year, but here we are! The BIG Ten has even reversed its earlier decision, and now games will start in October…GO BUCKS! COVID-19 has changed how we’ll watch these…

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The Nurse Hotline: The First Step in a Work Injury Claim

By after an accident, Business, Central, Claims, Commercial, Employees, First Report of Injury, injury, Insurance, Liability, Loss Control, nurse, Prevention, safety, Service, slip and fall accidents, worker, workers safety, workers' comp claims, workers' compensation, workplace, workplace safety

Did you know that over 2.9 million workplace injuries occur each year? Accidents and injuries happen, but the common goal is to limit the number of injuries and keep employees as safe as possible. When an injury does happen, there is a process that is …

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Coverage for the College Student

By additional interest, college, college student, college students, dorm room, Financial, Home, homeowners policy, Insurance, Liability, Personal, personal liability coverage, personal property, personal property coverage, Personal Umbrella, personal umbrella policy, renters insurance, Umbrella

This is the time of year I often receive questions about the coverages needed to protect students who are going away for school. These requests are common for parents sending their children off to college for the first time. College campuses won’…

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Coverage for the College Student

By additional interest, college, college student, college students, dorm room, Financial, Home, homeowners policy, Insurance, Liability, Personal, personal liability coverage, personal property, personal property coverage, Personal Umbrella, personal umbrella policy, renters insurance, Umbrella

This is the time of year I often receive questions about the coverages needed to protect students who are going away for school. These requests are common for parents sending their children off to college for the first time. College…

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The Nurse Hotline: The First Step in a Work Injury Claim

By after an accident, Business, Central, Claims, Commercial, Employees, First Report of Injury, injury, Insurance, Liability, Loss Control, nurse, Prevention, safety, Service, slip and fall accidents, worker, workers safety, workers' comp claims, workers' compensation, workplace, workplace safety

Did you know that over 2.9 million workplace injuries occur each year? Accidents and injuries happen, but the common goal is to limit the number of injuries and keep employees as safe as possible. When an injury does happen, there is…

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Cracking the Code on Commercial Umbrellas

By blanket additional insured, Business, business owner, Claims, Commercial, Commercial general liability, commercial umbrella policy, general liability, independent agent, Insurance, Liability, liability coverage, owning a business, professional liability, protection, Umbrella, umbrella policy

Many people in the insurance industry will agree that umbrellas are one of the most misunderstood lines of insurance coverage in existence. Of course, it’s easy to understand why when you look up the definition of “umbrella” and get explanations…

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