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Liability

Collision or Comprehensive: Which Coverage Applies?

By Accident, Auto, auto accident, auto insurance, auto policy, car accident, car insurance, Claims, collision, collision coverage, comprehensive coverage, comprehensive protection, deer, driving safety, ice, Insurance, Liability, other than collision, Personal, personal auto coverage, personal auto policy, road conditions, road safety, snow and ice, Weather

With all the deer roaming around this time of year, it can be dangerous for people traveling on the road (see our recent blog post Oh Deer! Drive Defensively this Season). We also know that ice and snow are coming soon (if it…

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Life Brings Storms: Personal Umbrella Policy has Protection

By Accident, Auto, auto accident, auto and home, auto claim, auto insurance, auto policy, bodily injury, Claims, Financial, Home, Insurance, lawsuit, Liability, liability claims, liability coverage, liability insurance, liability limits, Personal, personal injury, Personal Insurance, personal liability coverage, Personal Umbrella, personal umbrella policy, Umbrella, umbrella policy

Many personal insurance policies provide liability coverage to protect you if you are sued as a result of an injury for which you are responsible, whether it is bodily injury or personal injury. We all know that lawsuits can stem…

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Don’t “Buck” You’re Exposure! Hunter’s should read!

By accidents, ATV, deer, deer hunting, exposure, Home, homeowners insurance, homeowners policy, Household Inventory, hunting, hunting season, Insurance, Liability, liability coverage, liability limits, Personal, Personal Umbrella, personal umbrella policy, Prevention, Umbrella

FALL! My most favorite time of the year…Friday night lights, college football, local festivals, and of course, hunting season! There’s that magical feeling floating in the air this time of year, whether it’s the itch to get out into the…

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It May Have Been Covered but HOW Was It Covered?

By Accident, Auto, claim, Claims, collision coverage, comprehensive coverage, comprehensive protection, coverage, Home, inland marine, inland marine policy, Insurance, insurance claim, Liability, Personal, Personal Insurance, Personal Umbrella, personal umbrella policy, Umbrella

If you’ve watched any college football over the past several years, you’ve probably seen multiple commercials from a certain insurance company that likes to show an imaginary college professor walking an individual through a building containing exhibit…

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TIPS for Your Servers This Football Season

By alcohol, alcohol awareness, alcohol awareness training course, bar owners, bartenders, Business, Claims, Commercial, Employees, Insurance, intoxication, Liability, liability claims, liability coverage, liability insurance, liquor liability, Loss Control, Prevention, Risk Management, safety, Safety Tips, Service

Football season is here! It seems to evoke a sense of enthusiasm and celebration, especially when your favorite team is playing! Just look at the fans in the picture (the guy in the blue’s team just got scored on, I…

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Does your college student know what to do if they’re involved in a car accident?

By Accident, Auto, auto accident, auto insurance, auto policy, automobile accident, car accident, car insurance, Claims, going to college, Insurance, insurance claim, Liability, Personal, Personal Insurance, safe driving, what to do after a car accident

Going away to college is a big deal, and it comes with a lot more responsibility. One of them is being a responsible driver. What if they are in an accident or accused of hitting someone else’s car? Do they…

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Safety First When Celebrating Labor Day!

By Auto, boat safety, driving safety, Grill safety, Home, Insurance, Labor Day, Labor Day weekend, Liability, liability insurance, Personal, personal coverage, Personal Insurance, Prevention, property coverage, Safety Tips, summer safety, travel safety, Umbrella, Weather

There’s one thing I always say to my younger siblings when I know they’re hanging out with family or friends on a holiday weekend. “Be smart! Be safe! Have fun!” Your Labor Day weekend can be fun and safe at…

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General Liability Covers More Than You Might Think

By bodily injury, Business, Claims, Commercial, Commercial general liability, Employees, Financial, general liability, Insurance, Liability, liability claims, liability coverage, liability insurance, personal injury, property damage, slip and fall, slip and fall accidents

For those of us in the insurance industry, after a certain period of time, various lines of business, their abbreviations and the specific coverages provided by those lines become embedded into our brains. This occurs to the point where we…

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Alcohol Awareness Training: Be Smart about Serving

By alcohol, alcohol awareness, alcohol training, bar owners, bartenders, breweries, Business, caterers, Commercial, Insurance, intoxication, lawsuit, Liability, liability insurance, liability lawsuits, liquor liability, Loss Control, restaurant, Risk Management, servers, TIPS, wineries

Any business that serves alcohol should be aware of their liquor liability exposure. In my travels as a loss control professional, I often consult the owners and managers of restaurants, bars, clubs, event centers, caterers, wineries, and breweries. Al…

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