You Use Your Insurance… Every. Single. Day.

How often do you use your insurance? I ask that because I hear quite often that “I pay for insurance but I never use it!” Well, let me give you another way to look at it that may make paying your premiums a little easier for you… No matter what type of coverage you have, whether it be auto insurance, homeowners insurance, business insurance, etc., the truth is that once you make your premium payment and that coverage is in force, then you are using it… 24/7. That’s right… 24/7… if you have an auto accident just...

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I feel the earth move under my feet…

… and (sadly) the wine came tumbling down, tumbling down. Now, while I am certainly keeping those 208 individuals injured (happy there were no casualties reported) in Sunday’s Napa earthquake in my thoughts and prayers, being the insurance guy that I am, my mind also turns to the property damage and how the businesses and homeowners will recover. It also got me to thinking that most people may not be aware that earthquake damage is not covered on a standard homeowners, renters, condo owners or commercial general liability...

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The drunk lady almost knocked over the speaker!

My wife often comes home from a meeting, networking event or other gathering with a story someone told her that prompted a question about insurance. Yesterday was no exception. A DJ was telling her a story about a gig she did where a lady had a little too much to drink and stumbled into her large speaker on a tall stand. The speaker began to tip over toward other guests! The DJ was able to grab it and stop it from falling, but it certainly raised some questions about liability. “So, who would be responsible IF the speaker HAD fallen on...

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Does the peach torte have nuts?

My wife and I had a business networking social to go to and we were supposed to bring something. My wife decides to make her soon-to-be-famous white peach torte. But then she looks at me and says, “Do I have to put a sign on it that says it contains almonds?” She was asking because she didn’t want anyone to get sick if they had a nut allergy. Then she giggles and says, “What kind of insurance policy would I need to cover my… torte?!” And she asks other questions too. Like “If the water heater in the...

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13 Types of Insurance a Small Business Owner Should Have

  According to an article on Forbes.com, there are 13 types of insurance that a small business owner should have… General Liability Insurance Property Insurance Business owner’s policy (BOP). Commercial Auto Insurance Worker’s Compensation Professional Liability Insurance Directors and Officers Insurance Data Breach Homeowner’s Insurance Renter’s Insurance Life Insurance Personal Automobile Insurance: Personal Umbrella Insurance The article includes a brief description of what they are…  from a Business Owners...

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