On the Saturday before Memorial Day last year within the span of 5 minutes, I received three phone calls from three different insureds that somebody had driven their car into a building damaging it and taking off (luckily nobody was injured). In this situation, Richey-Barrett insures the building owner and two tenants of the building.…

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Accidents happen. Even small businesses and small contractors need added protection against catastrophic liability loss. Consider a hypothetical scenario in which Handyman Hal is going about his usual daily business of contractor remodeling. Hal runs out of drywall tape on the job. While driving to the local hardware store to purchase additional tape for the…

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While driving in the city to a friend’s party, Jerry and Susan are talking about their plans for the upcoming weekend. All of a sudden, Crunch! Jerry and Susan hear the unmistakable sound of their car colliding with another. After making sure neither is injured, both Jerry and Susan gaze at each other wondering what…

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