Umbrella Insurance Coverage Triggers 

Umbrella Insurance Coverage Triggers 

For most people, umbrella insurance triggers kick in when your underlying liability limits have been exhausted. While this statement is generally true, umbrella coverage only responds to certain claims under certain circumstances. Knowing when your umbrella responds...
Homeowners Insurance: What Doesn’t Your Policy Cover

Homeowners Insurance: What Doesn’t Your Policy Cover

Your homeowners insurance policy does not protect you against every disaster imaginable. While it might seem that way when you read your declaration page, all standard homeowners policies have exclusions, sublimits, and conditions that can leave you with giant holes...
Life Insurance Used for Business Continuity Planning

Life Insurance Used for Business Continuity Planning

Business owners always hope for continuity. They put plans in place for systems and data. But what about human error? No one wants to think about a key owner or executive suddenly passing away. This type of uncertainty can wreak havoc on operations, financial...
Cyber Liability Insurance for Small Businesses

Cyber Liability Insurance for Small Businesses

If you think cyberattacks only happen to major corporations, think again. In fact, small organizations are often targeted because attackers know they typically have fewer safeguards in place to prevent a breach. Whether hackers steal sensitive client information or...
Commercial Property Valuation Methods

Commercial Property Valuation Methods

Real estate valuation models allow investors, lenders, and property owners to estimate true market value for income-producing properties. Understanding how properties are valued helps owners make better purchasing, financing, and business risk decisions. There are...