Two-thirds of households in America have air conditioners, according to the U.S. Department of Energy — and they spend a total $11 billion each year running them. Our guess is that most of those households (which may include yours!) wouldn’t mind spending a little less to keep their homes cool. Because as great as it […]
September 4, 2020
Boiler and Machinery Insurance is an insurance policy that provides coverage for physical damage to and financial loss from equipment breakdown. Boiler and machinery insurance, also called equipment breakdown insurance, covers: (1) the cost of repairing or replacing the damaged equipment, and (2) business losses incurred from the equipment not functioning. This type of insurance […]
August 28, 2020
When an occurrence causes a disruption in our “business as usual” we want to be prepared as much as possible. Whether it is an El Nino downpour, a mechanical breakdown or the ever looming cyber attack; a real deterrence to running our business could be the lost income we receive while putting back together interrupted […]
August 17, 2020
According to the FBI, cybercrime is now ranked as the number one law enforcement concern. Your business has a greater chance of having a cyber breach than it does of having a fire. It is important to have the right kind of insurance coverage in order to protect your business. Welcome To The Next Generation […]
August 9, 2020
When the sun is out and the weather gets warm, people flock to the water — whether it’s the beach, lakes, rivers or a backyard pool. But wherever there’s water, there’s also danger lurking beneath the surface, even if you don’t live in an area with alligators or other threats. That danger? Drowning. According to […]
August 8, 2020
What would you do without power tools? Well, you’d probably take on fewer home-improvement projects — and probably have a lot more calluses on your hands. Thankfully, you don’t have to do without. But you do have to use tools safely, if you want to do good work and keep all of your fingers and […]
July 21, 2020
If you operate a business, you know your building or property is the center of your operations. Commercial Flood Insurance protects one of your biggest investments–your business from damage caused by rising water. Floods often strike without warning‐destroying buildings, equipment, and inventory. Your business is your dream and your legacy, and you protect it […]
July 21, 2020
We all watched many cities and businesses damaged or destroyed by recent riots. Many businesses were lost and it caused us to think about how commercial property insurance applies to riots. We hope this never happens to any community, but it is always good to be informed and prepared in the event of any […]
July 12, 2020
Water damage can be disastrous to your home. Imagine discovering that your entire basement is filled with brown water and sewage from a backed-up water main or other pipe. It’s not only disgusting and potentially dangerous, it’s also expensive. On average, most water backup claims cost $5,000-$10,000 to repair. Water backup coverage is optional coverage […]
July 8, 2020
Cyber Liability – An Every Day Occurrence? Cyber liability exposures seem to be reported more and more every day. The latest cyber attack was reported on September 23rd in the Insurance Journal regarding the Home Depot Inc.’s data breach. That very day in our office we had received a “junk email” claiming to be American […]
June 26, 2020