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1 week ago · by · 0 comments

What is Important for a Business to Know About General Liability Insurance

Business Liability Insurance is also known as General Liability Insurance (GLI). It is designed to help a business be protected from advertising injury claims as well as property damage claims, bodily injury claims and more. GLI will provide coverage for a business against lawsuits and customer injuries. It could be used to pay for legal costs, medical expenses if there is an incident resulting in a lawsuit.

Companies Need General Liability Policy

Businesses will invest a lot of time and effort in creating and growing their company. They will need a general liability policy to protect their investment from some type of incident that could result in devastating costs caused by a successful liability claim. Many of these can occur during common business situations. It includes employees or others who visit and represent client companies. GLI will be able to protect a company’s property as well as its business activities that take place at third-party locations.

How General Liability Insurance Works

It is designed to work like many other insurance plans. The policy will list the highest amount an insurance company will pay in a liability claim. Smaller businesses may get $300,000 for costs resulting from an injury occurring at a worksite. It may also provide an additional $100,000 for legal fees. This means the most a company will get from the policy is $400,000. Anything over that amount will be the responsibility of the company to pay.

Types Of Claims

*Advertising Errors – This will protect a business owner against claims of alleged advertisements that infringe on a copyright as well as false advertising and more.

*Rental Property Damage – A business owner will be protected from damage caused by lightning, explosion, fire and more for any property they rent.

*Property Damage Or Bodily Injury – This could protect a business owner against claims of damage to property or bodily harm caused by the business.

*Medical Payments – If a person experiences an injury at a business, this will help with the costs associated with their medical treatment.

*Reputational Harm – This will cover slander, malicious prosecution, libel as well as a violation to the right of privacy, wrongful eviction and more.

General Liability Insurance Rates

The cost of a general liability policy will be determined by using a number of different factors. A major factor will be the type of business. A restaurant business has a higher exposure for risk than a consulting company. The amount of time a company has been in business is a factor. Experience often results in lower premiums. The location, size as well as the condition of a company’s premises will also influence GLI rates. A company’s history of insurance claims against them will also be a factor. There are also policy specific details that will impact the cost of a policy. These are such things as preferred coverage limits, amount of the policy’s deductible and more.

Filing General Liability Insurance Claim

When a company has an incident that could result in a claim being filed against them, they should immediately notify their insurance agent or the insurance company directly. The insurance company will want to know the details of what happened. It is important to be able to tell the insurance company the date and time of the incident. They will also want to know if there are any witnesses, their names and how to contact them. All other information that could be pertinent to the claim should be provided to the insurance company.


When choosing which insurance company that would be a good fit, businesses should do some industry research. There are some insurance companies that focus on providing coverage for specific industries. Speaking with similar companies will help a business owner realize what type of coverage is necessary and what type of premiums are appropriate.

It is unwise for a business at any level to not have a GLI policy in place. It will pay for liability costs and more when a company needs to meet these types of obligations. A GLI policy is designed to protect a company’s assets. It can protect a company if they are successfully sued. It will cover any award or settlement involving losses suffered by an injured party. GLI policies can protect against damage from natural disasters, criminal activity and more. It is an important way for a company to experience a bad incident and still continue operating.

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2 weeks ago · by · 0 comments

6 Reasons You Need to Get Renters’ Insurance

If you’re renting an apartment, condo, or home, then you’ll need an additional renters’ insurance policy to cover your personal belongings. Even if you feel like you don’t need insurance, here are some reasons why you should get such a policy.

It Protects Your Personal Property

It can cover your personal property in the event of a flood or a fire. Certain things like your television set, laptop, or furniture are often not covered under your landlord’s policy. Renters’ insurance allows you to cover the costs of your personal belongings.

Determine the actual cash value of your belongings. The Actual Cash Value or Replacement Cost can help you fix or replace some of your belongings. The Actual Cash Value will reimburse you for the things that got lost or damaged.

It Creates a Safety Net For Liability Costs

You might think you’ll never get sued. What happens if you get into an altercation with a neighbor over a noise complaint? What happens if you accidentally leave the oven on and it causes a fire to spread to the other apartments?

If you’re negligent or at fault, then you may have to pay up. Liability coverage can help cover some of those costs and any additional expenses for which you’re held accountable for.

It Creates Peace of Mind in Emergencies

If there’s a natural disaster in your area that makes conditions unliveable, your insurance may be able to cover the costs of additional living expenses for when you need a temporary place to stay. If your apartment costs less per month than your temporary location, then your insurance company will make up for the difference. It gives you peace of mind, knowing that you’ll have a temporary place to stay when needed.

It Covers Your Possessions Anywhere in the World

Renters’ insurance can also cover your personal belongings when you’re traveling. It doesn’t matter if your belongings are in your home, your vehicle, or in your luggage. Your possessions lost from theft can still get covered. Check your insurance policy to find out these “other covered losses.”

It Can Help Cover Additional Expenses

It can help you cover additional expenses such as temporary living, food, and other items. Check with your insurance policy to find out what “additional living expenses” it covers and for how long. Find out if there’s a cap that the insurance company will only pay.

Your Landlord Requires You to Have It

Your landlord’s policy may only cover the apartment and the grounds. As mentioned before, it’s not going to cover your property. Landlords are now requiring their tenants to have renters’ insurance policies. If you don’t know where to find the right coverage, your landlord can help you out.

Now you know why it’s so important to have this type of insurance. Ask your agent how you can save money when choosing a new policy. You may get a discount if you purchase renters’ and auto insurance through the same company. Speak with your local insurance agent for more information.

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1 month ago · by · 0 comments

How to Insure Your Home Business

Congratulations on pursuing your passion and taking the leap to become a home-based business owner! Starting your own home business can be an exciting albeit nerve-wracking time. The good news is the odds of success are in your favor.

Today, there are approximately 38 million home-based businesses being run throughout the US alone, and 70 percent of these have managed to stay in operation for at least three years. Even more inspiring is the fact that these same home businesses generate over $400 billion each year, making them a vital part of the overall economy.

With so much at stake, home businesses need to be protected just like any other business entity. Whether you plan on working for yourself around the clock or only a few hours a day, proper insurance coverage is a must in order to protect your business and assets should anything unexpected occur.

If you’re running a home-based business, the type of business you’re operating, the amount of inventory you have, and your sales volume are just a few of the many factors that will affect which home business insurance coverage is best for you.

However, with so many intangibles to account for and insurance options out there to choose from, how do you select the right coverage for you and your home business? Fortunately, we’ve broken the selection process down to three simple steps.

Keeping reading to learn how to choose the right coverage, insure your home business, and begin protecting your bottom line today.

Step One – Understand Your Home Business Insurance Options

Many insurance carriers provide several different insurance options for home-based businesses. Your coverage needs will vary depending on the type of home-based business you’re running.

For example, if you’re a freelance writer or graphic designer with no tangible goods other than a computer and software, the amount of coverage you will need will differ from someone selling custom t-shirts with a room full of inventory.

A simple home owner policy endorsement may do the job, or you may need several individual business insurance policies. Perhaps a businessowners package policy is a better fit?

Here’s a look at each of these options and how they apply to home businesses like yours.

Homeowner’s Insurance Endorsement

While homeowner’s insurance is designed to cover homes and not businesses, it may be suitable for your home business needs if you only need a small amount of coverage for business property. More than likely, incidental business property is already covered under your base policy. However, it provides zero business liability coverage. A business endorsement can solve this dilemma.

There are generally two types of home business endorsements:
• Endorsements that cover inventory, tools, computers, and so on
• Endorsements that cover liability

Basic business-related property endorsements typically provide up to $3,000 of coverage for business property in the home and only $250 of coverage when away from the home.

Liability endorsements only provide coverage in the event someone is injured on your property, and they are usually only available to home-based businesses with very few business-related visitors.

Unfortunately, neither provide professional liability coverage and offer protection in the event of a lawsuit. There is also no comprehensive coverage option for loss or damage to off-site business property, loss of records, and loss of income due to extensive damage to your home resulting in an unusable space.

With loss of income coverage, if a covered home event like flooding or a tornado forces you to pause in-home operations, you will receive funds to pay employees and bills for up to 12 months. If you need this or even more coverage to fully insure your home business, a businessowner’s policy may be a better option.

Businessowner’s Policy

A businessowner’s policy, or BOP, is designed for home-based businesses of a larger scale. If you need to protect $10,000 or more of business property or have multiple types of liability coverage, you should consider a BOP.

Aside from the added protection, one of the main advantages of a BOP policy is the ability to have specific liability coverage for your type of business. However, it’s important to note that a BOP typically only covers any damages caused to others as a result of your product or service. It doesn’t cover the actual product or work itself.

It’s also worth pointing out that BOPs don’t provide any health, life, disability, or worker’s compensation coverage. So, if you have employees and want to cover your bases, it may be worth looking into these types of coverage as well.

Commercial Auto Coverage

Similar to homeowner’s insurance, personal auto insurance is not designed to provide coverage for business use. Therefore, if you have a company-owned vehicle, you need commercial auto insurance.

With commercial auto insurance, you can protect both company-owned vehicles and personal vehicles used for business. Commercial auto policies also generally cover coverage gaps between personal auto and business liability policies.

Whether you travel daily for your business to and from job sites or once a week to mail documents and packages, a commercial auto policy can make sure you’re covered in the event of theft or an accident.

Step Two – Find an Independent Insurance Agent

Independent insurance agents specialize in helping people just like you find the right home business insurance coverage. So, if you don’t already have one for your home or auto, find one.

Your independent agent will help you secure the best coverage at the best rates available. However, no ordinary agent will do. To get the right coverage for your needs, it’s important to work with an agent with experience insuring your specific type of home business.

Step Three – Regularly Review Your Coverage as You Grow

Whichever agent or type of home business coverage you choose, it’s a good idea to regularly review your policy and discuss any changes with your agent. Similar to the way you would review your homeowner’s policy when adding a bathroom or addition, you’ll want to increase your home business coverage as you increase your inventory, add additional work vehicles, and so on.

You may also want to discuss umbrella policies with your agent. The right agent will offer the right advice to provide you with superior protection both now and in the future.

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2 months ago · by · 0 comments

How to Protect Yourself in an Accident with an Uninsured or Underinsured Driver

It is a requirement in most states for anyone who owns a vehicle to have at least liability insurance on their vehicle. Many people work to get around this requirement. In many cases, people will purchase insurance for their vehicle and maintain it long enough to have their vehicle legally registered. Once this is done, they will cancel the insurance policy. In a bad economy, the number of people driving without insurance increases significantly.

Uninsured Driver Study

A study conducted by the Insurance Research Council shows that approximately one out of every seven drivers on the road does not have insurance on their vehicle. On a national scale, this represents 14 percent of drivers operating vehicles without insurance. The state with the highest number of uninsured drivers is Mississippi and next is Tennessee and then Florida. The states with the lowest rate of uninsured drivers are New York, Maine, and Massachusetts.

Minimize Financial Impact

There are things a driver can do to minimize their financial losses after being in an accident with an uninsured or underinsured driver. It is possible to purchase insurance coverage designed to protect against accidents with an uninsured or underinsured driver. This insurance will provide protection if a driver is in an accident with someone who has no insurance or too little insurance. It can also protect against a driver who is a hit-and-run driver and leaves the scene of an accident.


When a vehicle owner purchases uninsured coverage, it will cover the driver as well as relatives residing in the driver’s home. It will also apply to passengers in their vehicle at the time of an accident. It will provide compensation for any of these individuals who are injured when in an accident with an uninsured driver as well as a hit and run driver. Underinsured motorist coverage will cover the driver as well as relatives residing in the driver’s home. It will also apply to passengers in their vehicle at the time of an accident. This provides protection against being in an accident with a driver who does not have sufficient coverage to pay an accident claim. Uninsured and underinsured coverage will not pay for any property damage caused by the accident.

Suing Uninsured Or Underinsured Driver

When a person is in an accident with an uninsured or underinsured driver, it is possible to sue them for losses resulting from a vehicle accident. The only way this is effective is if the driver who is uninsured or underinsured has enough personal assets to reimburse an accident victim’s for their loss. In most situations, a driver who is uninsured or underinsured won’t have financial assets sufficient to compensate an accident victim. This means litigation may not be a viable way to obtain compensation for losses from this type of vehicle accident.

Won’t Exceed Primary Coverage

It is important for people to realize that uninsured and underinsured coverage won’t be more than the amount of a person’s primary coverage. Should someone have $150,000 in coverage for any vehicle accident they may cause, then their uninsured and underinsured coverage cannot exceed $150,000. With most vehicle insurance policies, this coverage is reasonable when compared to minimum liability coverage. It is better than dealing with not having coverage.

Filing A Claim

When a person is in an accident with someone who is uninsured or underinsured, they should contact their insurance company as soon as possible. It’s important to let them know they intend to file a claim. Many insurance companies have strict deadlines when it comes to filing an uninsured or underinsured claim. Often insurance companies require a claim to be submitted within 30 days after the accident. It’s important to tell the insurance company the other driver did not have insurance or refused to provide their insurance information. These claims usually require a little longer to settle.

An uninsured and underinsured insurance claim will follow the same process as any other vehicle accident claims. In this case, it will be the accident victim’s insurance company that will pay the claim. There will be an investigation, review of various records, police reports, depositions of witnesses as well as a review of medical records and more. It will often provide compensation in situations where there would not be any type of payment without this coverage.

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2 months ago · by · 0 comments

You Will Benefit From Reading Your Home Insurance Policy

Most people will sign their home insurance policy, put them away and start living in their home feeling safe they are protected from danger. It is important for a homeowner to know exactly what is in their policy. If they have made improvements to their home, the value of their property has increased or any similar thing has occurred that could change the coverage needed for a property, it could result in a homeowner to being underinsured. Insurance companies estimate over 59 percent of homes in the United States are underinsured. Each policy provides details of what is covered as well as what is excluded.

Declaration Page

It is important to look at the declaration page of an insurance policy to make certain all the personal information it contains is correct. Check to make sure the coverage levels listed are correct and make certain any riders previously added are listed.

Property Coverage

This section will help a homeowner understand the details of the property they have that is covered. This part is divided into sections because each category will have a different coverage limit based on losses.

  • Dwelling. This covers a home used as a primary residence and any structures that are attached to it. This could be a deck, attached garage and more.
  • Personal Property. This will provide descriptions and limits for a homeowner’s personal belongings. This protection extends to any location in the world for covered items. Other people’s personal property may be covered when it is in a policyholder’s home. It could also cover the personal property of an employee or guest and more.
  • Loss Of Use. This describes the expense involved with repairing or rebuilding the property when it is damaged. This includes payment if a homeowner must stay in another place while their house is being repaired or rebuilt. A certain amount of money could also be provided for living expenses. If a property owner lives in a multi-unit building, and a unit in this building is damaged, the owner could be reimbursed for the fair market rental value of the damaged unit.

Liability Coverage

This section will cover all the costs associated with damage to people and property not listed in the policy. This could cover someone accidentally slipping and falling on a homeowner’s property and more.

Personal Liability

In this part of the policy, the insurance company states the circumstances in which it will defend the policyholder against claims as well as pay the claims if the policyholder is found at fault for a person’s injuries on their property.

Medical Payments

This covers medical payments to others. It will cover in detail the limits and types of expenses the insurance company will cover for people not covered by the policy. This could involve such things as surgical expenses, ambulance, hospital stays and more. It will list payments to individuals even if the insured is not at fault for an accident involving their property. If a neighbor breaks a leg during a party at a policyholder’s home, this would provide reimbursement for medical expenses up to the limit stated in the policy.


It’s also important for a policyholder to review any and all riders they have attached to their policy. They may have some additional items they want to add or some they may want to remove. Insurance riders can cover many different things.

  • Underground Service Line. All homes depend on many different underground service lines. This includes everything from water, heat, cable, internet and more. A homeowner is responsible for maintaining them. This will provide coverage should problems occur with underground service lines.
  • Sewer and Drain Back Ups. A situation could occur that provides a huge coverage gap for many homeowners. This will provide coverage for repairing or replacing a homeowner’s basement if the damage is caused by a sewer or drain backup.
  • Identity Theft Protection. Cybersecurity experts estimate in the United States someone becomes the victim of identity theft every three seconds. This will make it possible for a homeowner to get professional help in restoring their identity. This will involve preparing a case file for creditors and credit bureaus. All necessary information will be provided to law enforcement and more.
  • High-Value Items. Collectibles, jewelry, artwork are often worth more than money to some homeowners. This will cover a high-value item getting stolen or damaged. This will provide compensation.

It is always important to know what is in your home’s insurance policy. An occasional review and update are important. A homeowner’s life never stays the same after initially purchasing their property. They benefit when their home insurance reflects all those changes.

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2 months ago · by · 0 comments

Insurance Terms 101: Speak Like an Insurance Agent!

The terminology used by an insurance agent can be daunting. Most of us have heard the terms numerous times, but cannot explain what they really mean. Not fully comprehending these terms can be problematic for the average consumer. These terms indicate the type of coverage the policy issues. If you choose the wrong one based on ignorance, your entire future could be at stake. The good news is that you don’t have to stay in the dark. Learn the parlance of an insurance agent to get the best policy for yourself.

In the World of Auto Insurance

The first car insurance distinction to know is the difference between insurer and insured. Although this seems fairly intuitive, it is easy to confuse. The insurer is the insurance agency that issues the policy. The insured is the named party on the policy. It can also refer to other parties that the policy covers.

Another often used, but misunderstood term is deductible. In insurance-talk, the deductible is a sum of money the insured will pay to activate the policy coverage. For example, when you are in an accident, you’ll pay a deductible before the policy will pick up the rest of the tab. The deductible is set in the insurance contract. When you sign up for a new policy, you will likely have the choice of several deductible options. The of the deductible will affect your monthly insurance payment.

Since we mentioned monthly payments we should discuss the premium. This term is just a fancy word for the money you must pay monthly or annually to maintain the policy. Premiums differ from agency to agency, and according to the type of coverage.

The term coverage can refer to a few different things. What the coverage means depends on which word it is paired with. Collision coverage means that the policy covers damage to your vehicle following an accident. Comprehensive coverage covers damage to your vehicle that occurs outside of a car accident.

There are other uses of coverage that are immediately recognizable. Medical payments coverage takes care of any health care bills or funeral costs. This coverage usually applies even if the accident is your fault. Bodily injury coverage is triggered when you are at fault. It covers the medical expenses of other parties. Finally, uninsured motorist coverage pays for the injuries of your vehicle’s occupants when an uninsured driver is at fault.

Learning About Life Insurance

One final area of insurance with confusing terminology is life insurance. This area is rife with unintelligible terms. The face amount is what is payable at death. This is usually the first number people look at when shopping policies.

When it comes to coverage, you may be confronted with term life or whole life terminology. With term life, coverage is effective for a predetermined period of time. If the insured dies within this time, his or her beneficiaries will be entitled to the policy funds. Whole life coverage continues throughout the insured’s lifetime. However, the premiums need to be satisfied to keep the policy active.

Traversing Health Insurance

Health insurance shares some general insurance terms with other types of coverage. When looking at health insurance plans, you’ll see the same references to deductibles and premiums. However, there are a couple of terms that are unique to this field of insurance.

You’ll need to have a good understanding of the co-payment. This is a small payment you’ll make for each visit to the doctor. You should also be aware of the meaning of co-insurance. This term will dictate how much you pay after the deductible is met. Typically policies will require you to pay 20% to 40% of the total medical bill.

Using the Jargon

Now that you understand some of the most commonly used insurance terms, you should have no problem choosing a policy. You can also feel confident speaking to an insurance agent without missing a beat. Knowing the jargon helps you comprehend what you are getting into. It also can help you to customize a policy that meets all of your needs.

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3 months ago · by · 0 comments

Ways to Protect Your Farm Business

Starting a farm business is an exciting experience, especially if you are passionate about farming. There are hundreds of reasons to invest in agriculture. For instance, if you invest wisely in poultry or cattle raring, you will gain good profits every year. However, in order to earn a good profit from your farm, you must maintain it properly and buy the right farming equipment. You should research before launching your farm, which will help you gain adequate farming knowledge. Moreover, it is advisable to install the proper security measures to protect your farm from criminals. For example, if you have hundreds of animals, vehicles and expensive equipment on your farm, you must put advanced security measures to deter burglars. Keeping your farm business secure will make it tough for robbers to steal your farming machinery, livestock and other essential items. This article provides six crucial ways that you can use to safeguard your farm.

1. Talk to an Experienced Farm Insurance Company
Every agricultural business that is profit-oriented requires farm insurance. The insurance will cover the livestock, crops, ranch and farm equipment. Therefore, it is advisable to consult a reputable farm insurance agent in your region. Once you tell your farming needs to a reliable insurance agent, he will recommend the right coverage for you. Some of the factors that the insurance companies consider include the number of livestock reared on your farm, the size of your ranch, type of tools and anticipated profits. Investing in the best coverage will give you peace of mind.

2. Install an Advanced Security System
Installing the best security system is another perfect method that you should use to boost security on your ranch. For instance, you should buy high-quality CCTV cameras and install them on your property. The cameras will help you see every activity on your farm from wherever you are. Furthermore, it is advisable to invest in a good lighting system. If you keep valuable machinery in your stores, you need an alarm to protect your property. In the event of a robbery, the alarm system will inform you and the nearest authorities.

3. Keep Vehicles, Tools and Machinery Safe
As a farm owner, protecting your equipment should be your top priority. Vehicles and farming machinery are expensive. Generators and other crucial tools can be stolen easily. Your stores and commercial structures should be well-built. You should lock away tools and vehicles that are not in use. However, apart from building good structures and fencing your farm, you need to consult a trustworthy insurance agent to recommend the best insurance policy to protect your machinery. With the right cover, even if thieves steal your tools, you will get compensated.

4. Invest in Equipment Breakdown Coverage
Tractors and other farming tools are likely to get damaged after using them for a long time. Even if you maintain and repair them regularly, they can still break down. Once they get damaged, your farming operations may get disrupted, which will affect the level of production. Therefore, it is advisable to consult your insurance agent to help you add the best coverage to your policy. The equipment breakdown coverage will cover your tools. Once they get damaged, you will get compensated. Your farming operations will not come to a halt.

5. Secure Your Livestock
As a farmer, you need to know that robbers can steal your animals, especially if you are grazing them far from your house. You should check the condition of the gates and fences regularly. The gates should remain closed all the time to keep intruders out. Moreover, you need to keep an accurate record of your animals. You can use earmarks, microchips and tattoos to identify your livestock. You can also take videos or photos of the most expensive animals. Your farm insurance should cover your livestock to avoid losses in the event of a robbery.

6. Invest in Product Liability Coverage
Agribusiness is one of the most profitable ventures in the modern society. However, in order to surpass your competitors in the industry, you must invest in the best policies. For instance, you need to invest in product liability coverage to protect your farm business. You need to understand that you are always liable for any service or product you sell or manufacture. As a farmer, you should approach a reliable insurance agent to help you assess the risks associated with your farming business. The insurance company will recommend the best policy to cover all those risks.

Lastly, it is advisable to digitize all your farming operations. You should record every item manufactured and sold by your company. Also, you should hire honest employees to run your ranch. Once you secure your farm and invest in the best equipment, your business will grow.

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5 months ago · by · 0 comments

What Claim Adjusters Look at When Processing a Claim

Making a claim against your auto or homeowners insurance will likely trigger a visit from claim adjusters. The adjuster acts as a go-between tasked with the responsibility of gathering information and reporting back to the insurance company for processing. Most adjusters in the modern era don’t have the authority to settle claims on the spot.

Settlement amount determinations are normally made by experienced claims reviewers employed by insurance companies. Since those reviewers are not capable of visiting every customer making a claim, insurance companies use adjusters to do the work. Claim adjusters are often contractors offering services to multiple insurance companies. On rare occasions they may actually be employed by the insurance companies they represent.

Auto Insurance Claims

The specific things claim adjusters look at differ depending on the types of claims being made. In the case of auto insurance, the adjuster begins by gathering information about the accident in question. He or she will want as many details as possible. The adjuster will want to know when the accident occurred, who was involved, the results of the accident, etc.

All of this preliminary information can be gleaned from interviews, police reports, and DMV accident reports in states that keep such records. An adjuster will sometimes review these records with the customer.

The adjuster’s investigation may require additional information as well. For example, adjusters may request access to medical records and wage information on accident claims that include personal injury damages. Even medical bills might be requested during the investigation.

A big part of the claims process is determining whether or not what the customers says happened is legitimate. This isn’t normally a huge problem for auto insurance, but fraud does occur from time to time. Adjusters are tasked with uncovering as much information as possible that might indicate a fraudulent situation. A final determination is ultimately made by the insurance company’s expert reviewer.

Homeowners Insurance Claims

When an incident involves homeowners insurance, the claim adjuster has to look at an entirely different set of data. At the top of the list is the actual damage being reported. Claim adjusters want to know what caused the damage, how much damage was actually done, and if any of the observed damage can be attributed to something other than what was reported by the customer.

For example, an insurance company will not be keen on paying the full value of a new roof if some of the post-hurricane damage cited actually existed prior to the storm. It’s up to the adjuster to sort out how much of the claimed damage is related to the named incident as opposed to other damage that previously existed.

Another part of the adjuster’s job is to determine liability. In short, liability describes how much the insurance company is required to cover based on the terms of the policy in question. The insurance company might not be liable if it turns out that a customer’s violation of the terms and conditions of that policy led or contributed to the damage.

Finally, the claims adjuster will look at the totality of the damage in question. This may imply damage to contents, other buildings on the property, etc. That peripheral damage will be considered by the insurance company in an attempt to come up with a reasonable settlement.

Fairness and Protection Are the Goals

The two most important goals of the adjuster are to protect the interests of the insurance company and be fair to the customer. This is a fine line to walk. A good adjuster wants the customer to be fully compensated as much as the terms of his or her policy allow. At the same time, the adjuster must protect the insurance company against inaccurate, inflated, or bogus claims.

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9 months ago · by · 0 comments

The Power of Life Insurance When Life Happens

The one thing that’s certain in life is that it will not last forever. End-of-life planning may seem like a morbid topic, but knowing that your loved ones will be provided for after your death can give you valuable peace of mind while you live your life.

Because the unthinkable can happen at any time, it’s important to be prepared. Life insurance allows you to ensure the financial security of your spouse or children regardless of where you are on your financial journey. Whether you’re just starting out on your career path or have long been retired, life insurance provides a guaranteed safety net for your beneficiaries.

Taking Care of Those You Love

If you live alone and have no one who depends on you, expect no final expenses or will leave behind no debts needing to be paid, you might not need life insurance. However, that situation describes very few people. Most individuals have people in their lives who could benefit from an insurance payment after death.

A policy could be used to provide financial care in many ways:

– It could pay for the insured’s final expenses, relieving the survivors of the costs of funeral planning.
– It could pay for the education of surviving children or grandchildren.
– It could provide financial security to a family going through a difficult period of grief.
– It could provide living expenses for a spouse who had been reliant on the deceased’s income.

The benefits of an insurance policy will depend on your individual needs. With many policy types available, you are sure to find an insurance plan that will fit the needs of your family and specific situation.

Choosing the Best Option for Your Needs

There are two primary types of life policy available through most providers: term and whole or universal. Term life policies are the most affordable option and can often cost just a few dollars a month when you are young and healthy. A term policy provides an agreed upon benefit amount upon the policyholder’s death and lasts for a specified number of years. If the insured lives beyond the policy’s term, the policy can be converted to a different type to extend coverage.

Whole and universal life policies are a form of permanent insurance. These policies last as long as premiums are paid into them and accrue cash value over time. This means that they can be borrowed against or used as investment vehicles. The monthly premiums may be higher, but some people find the investment capabilities of these policies to be worth the price.

The type of policy best suited to your needs will depend on your situation. It’s important to consider your income, lifestyle, the needs of your family and other related factors. An insurance expert can help you to understand your options so that you can make the best decision and achieve peace of mind.

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10 months ago · by · 0 comments

How to Protect Your Family From Carbon monoxide

Carbon Monoxide poisoning is dangerous, and it kills hundreds of people annually across the United States. This silent and odorless killer is dangerous for precisely those reasons. It’s found in many locations in your home and vehicle, but it’s not easily detectable without the correct tools. If you’re worried your family might suffer from carbon monoxide poisoning, you’re worried about the right things. While chances are slim it will affect you, it could. It’s time to find out how to protect your family so you don’t become another statistic in the Cincinnati area.

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Cincinnati Family and
Business Insurance
910 Loveland Madeira Road,
Loveland, OH 45140

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