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Do I need Commercial Auto Insurance
We all know the difference between a truck and a car. Right? For most of my life, that was a straight forward question. Along comes the SUV and, more recently, the crossover, the once black and white responses it a lot grayer. Here’s the good news. Has your insurance agent ever asked if you needed, […]
“Do I need Flood Insurance?” South Carolina and Georgia residents should start here.
Who needs flood insurance? Many residents of Georgia and South Carolina are exposed to flood risk. Those living in coastal areas are like to be more at risk. Consider the following: River Road – It seems wise that anyone living on River Road should check in to flood insurance. Coastal Highway – Another great […]
Insuring A Mobile or Manufactured Home
Insurers commonly provide coverage for mobile/manufactured homes by modifying a conventional homeowner policy with provisions called endorsements. The endorsements change key definitions and other elements of a conventional policy to fit a mobile or manufactured home situation. The result is a modified homeowner package that protects the home, outbuildings (unattached garages, sheds, etc.) and personal […]
Preparing to buy your first Child Car Seat
Buy the right seat for your kid Many of us avoid or delay decision making. Especially if we are dealing with a new set of issues. Decision making can be extremely stressful. It’s not surprising that first-time parents report elevated levels of stress and anxiety. In a relatively brief time period they will be expected […]
Non-Standard Auto Coverage
Most properly licensed persons who drive cars (including vans, SUVs, hybrids, crossovers or pickup trucks) are eligible for policies designed for standard and preferred drivers. In the insurance world, standard and preferred refer to those who typically: ·Drive vehicles that are relatively inexpensive to repair or replace ·Do not use their cars for business ·Have […]
Georgia Auto Dealers: The Dealer’s Blanket
What is a Dealer’s Blanket? It has nothing to do with auto dealer giveaways. The Dealer’s Blanket is a form of business insurance that provides physical damage coverage for Auto Dealers. You may have heard it referred to as Open Lot Insurance or Dealers Open Lot Insurance. Regardless of the name, this policy is essential […]
Telecommuters and Insurance
If you work from your home for part of your workweek and if the situation is an ongoing arrangement with your employer…that’s telecommuting! That is also an opportunity to make special insurance considerations. Consider the following: Property Considerations You may have gaps in coverage because of your work arrangement. You may not have the insurance […]
Home Businesses (Daycare/Schools)
A variety of businesses are routinely operated in homes. This article discusses aspects of particular operations. Refer to Home Businesses – Basics for background information on coverage as well as our other articles discussing different in-home businesses. Daycare or In-Home Schools Coverage for abuse or sexual assault for small schools is often difficult to obtain at […]
Home Businesses (Wholesale)
A variety of businesses are routinely operated in homes. This article discusses aspects of particular operations. Refer to Home Businesses – Basics for background information on coverage as well as our other articles discussing different in-home businesses. Wholesale – As a wholesaler, here are some coverage options for your consideration: Businessowners Policy – If you are a manufacturer’s […]
Home Business Basics
Homeowner (HO) policies aren’t meant to insure businesses that are run out of a home. Premiums paid for homeowner’s coverage are for handling losses related to the ownership and use of a residence and related structures. Therefore no liability coverage is available for business activities such as customers who slip and fall on your premises, […]
