Buying a home. Finishing a basement. Remodeling a kitchen. Adding a deck. These upgrades feel exciting. But they also change your insurance needs. If your policy has not been reviewed since before the project, you may be underinsured. Replacement Cost Is Not…
When Assumptions About Coverage Create Risk
Many insurance problems do not start with a claim. They start with an assumption. Business owners often assume their coverage still fits their operations, that limits are adequate, or that nothing has changed since the policy was purchased. Those assumptions…
Business Interruption. The Coverage Many Businesses Overlook.
Many business owners believe their property insurance covers everything after a loss. That is a risky assumption. While property insurance helps pay to repair physical damage, it often does not replace lost income while your business is closed. That is…
Waiting Periods on Health Benefits: What Employers Need to Know
Waiting periods are a common feature of employer-sponsored health insurance plans, yet they are often misunderstood. Employees may assume coverage starts on day one, and in some cases, even office managers are unclear on when benefits actually begin. When waiting…
EPLI and People Risk. Why One Employee Issue Can Become a Costly Claim
Running a business means managing people, and people create risk. Even well intentioned employers face exposure from employee related claims. A single complaint can lead to legal costs, settlements, and long term damage to your business. Employment Practices Liability Insurance,…