Posts Tagged ‘Insurance’
Happy Fourth of July!
Everyone loves the Fourth of July. Cookouts, family, and patriotism – there is no better combination. Between relaxing, parades, and enjoying time with friends and family, you normally see a lot of red, white, and blue. Most people know that on July 4th, 1776 the United States of America won their independence from Great Britain,…
Read MoreContractor’s Pollution Liability (CPL): What it is and why it is Necessary
Contractors – do you need Pollution Liability coverage? Have you discussed the pollution exclusion in your General Liability policy with your agent? Contractor’s pollution liability (CPL) provides third party coverage for bodily injury, property damage, clean up expense and defense expense as a result of your creation of a condition that is considered pollution. This…
Read MoreInjury to a Church Volunteer, Who Pays?
Steve, a hypothetical church volunteer in this example, is a longtime, trusted, and active church member. Steve helps the church in all manner of tasks, from participating in counting the weekly collection on Sunday morning to knocking off icicles on the church gutters. Recently Steve was injured on church property when he fell about six…
Read MoreWould You Invest $100 to Save a Life?
As the owner of rental properties, if you could reduce your economic loss by reducing the size of a cooking fire for approximately $50.00 per unit would you do it? You can do this with a simple item called StoveTop FireStop . According to the National fire Prevention Association (NFPA) a kitchen fire starts…
Read MoreWhen Are Contents Part of My Policy Coverage?
My friend, Joe, was informed by a tenant in one of his buildings early Sunday morning that a burglar broke into the apartment building and had stolen money from the coin operated washers and dryers. Not only was the door and doorjamb broken, but the damage to the washers and dryers was severe and a…
Read MoreActual Cash Value (ACV) vs. Replacement Cost Insurance
Small and medium size business (SMB) owners have a multitude of responsibilities and concerns with running their own business. I understand your concerns because I own a business too. And if you own the commercial property your business is in you have (at least) two businesses to worry about. One of the most important decisions…
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