INSURANCE BLOG

Valuable Articles Floater Insurance

Protect Your Most Precious Possessions — Your standard homeowners or renters insurance provides general coverage for personal belongings—but high-value items often have limited coverage. A Valuable Articles Floater ensures your items are protected for their full value against theft, loss, or damage…

What Is an Insurance Endorsement?

An insurance endorsement (also called a rider or policy amendment) is a written change or addition to your existing insurance policy. Endorsements modify the coverage, terms, or limits of your policy without replacing the entire policy. — Why Endorsements Are Important — Endorsements allow you to …

What Is Pay-As-You-Go Insurance?

Pay-As-You-Go (PAYG) insurance is a flexible way to pay certain types of insurance, most commonly workers’ compensation, based on your actual payroll as it occurs, rather than estimated amounts at the start of the policy year. — How It Works — Instead of paying a large premium upfront or in fixed…

Why Minimum Insurance Limits Are Not Recommended

Protect Yourself Beyond the Bare Minimum — Many people assume that meeting the minimum insurance requirements is enough. While minimum limits may satisfy state laws or lender requirements, they often fall short when real-life risks occur. Choosing higher limits protects your assets, finances, and…

Who Is at Risk for a Cyber Claim?

Cyber Threats Can Affect Any Business — In today’s digital world, cyber risk isn’t limited to big corporations—any organization that handles sensitive information, online transactions, or digital communications can be vulnerable to cyber incidents. — Businesses of All Sizes — Small businesses –…

What Is an Insurance Audit?

An insurance audit is a review conducted by your insurance company (or their auditor) to verify that your business’s operations, payroll, and other factors align with the information used to calculate your premium. The goal is to ensure you paid the correct amount for your coverage. — Why Insurance…

Crime vs. Fraud: Know the Difference

Protect Your Business and Finances — In insurance and business, the terms crime and fraud are often used interchangeably—but they have distinct meanings. Understanding the difference helps you get the right coverage and safeguard your assets. — 1. Crime — Crime generally refers to illegal acts…

4 Important Tips to Help you Choose the Right Home Repair Professional

Your home is in need of some repairs, but you don't want just anyone in your home. Hiring a home repair professional can be stressful since it's crucial that you find one that you can trust. But finding the perfect home repair professional doesn't have to be a headache. Before hiring, you should be…

The Smart Way to Secure Your Home

Smart technology has brought us many benefits, including new ways of securing our homes. Regardless of the type of home where you live, be it an apartment or a house or anything in between, you’re sure to find helpful options below that you can manage from anywhere with just your smartphone. — …

Avoiding Water Issues in Your Home

Water damage is one of the worst problems that homeowners can run into. Not only can it be incredibly expensive to repair, depending on the extent of the damage, but it can also create the potential for mold and mildew to form. This can pose a serious health risk to you and your loved ones,…