Summer travel season often means more time on the road, flights, rental properties, and extended time away from home. While planning vacations is exciting, reviewing your insurance coverage beforehand can help avoid unexpected issues while traveling. Seasonal Employees Still Need Coverage Temporary, part-time, and seasonal employees may still fall under…
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P&C Market Watch: Flood Insurance Reform & Private Market Options
Flood insurance is evolving as new private market options continue to expand alongside traditional programs. As the landscape shifts, homeowners now have more choices than ever before when it comes to protecting their property from flood-related risks. Understanding how these options differ is key to making informed coverage decisions. Private…
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General Liability Gaps for Service-Based Businesses
Service-based businesses often assume their General Liability policy protects them from every potential lawsuit. In reality, several common exclusions can leave business owners exposed in ways they may not anticipate. As we approach Q2, now is the perfect time to evaluate your liability structure and ensure your coverage matches your…
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Updating your Business Property Inventory for the New Year
Start the Year with a Clear Picture For business owners, January is the ideal window for a “Physical Asset Audit.” Positioned right after the year-end rush and before the tax season chaos begins, this is the perfect time to document exactly what powers your business. Whether you operate a retail…
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The Holiday Hustle: Increased Liability for Home-Based Selling
The holidays are prime time for entrepreneurs and hobbyists to turn their crafts into cash. But if you’re running a small side business, like selling baked goods, custom crafts, or jewelry from your home, your increased activity could create serious coverage gaps. The Business Exclusion Trap Standard Homeowners Insurance is…
