January 26th, 2012, 16:05 hrs.
Non-owned auto liability insurance is intended to protect your company in the event that an employee driving their personal vehicle on company business is involved in an automobile accident. Although you may not have any vehicles titled in your company’s name, you should still carry coverage for non-owned automobile liability
If an employee is involved in an accident while driving their personal vehicle on company...
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January 12th, 2012, 16:05 hrs.
By scheduling valuables, your coverage for these items extends to “all risk loss.” Although personal property is included within your homeowner’s insurance policy, there are some stipulations. Your standard homeowner’s insurance policy only covers specified items in the event of certain perils or occurrences (i.e. fires, theft, etc.).
Please review your individual policy for specifications on...
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December 29th, 2011, 16:46 hrs.
With the value of copper on the rise, so too are the number of copper theft occurrences from businesses and homes. Thieves are not only targeting stock items, such as scrap metal on construction sites, but also installed copper.
The following items on your property may be of value to a thief targeting copper: copper coils in air conditioning units, copper plumbing & wiring, gutter and flashings that may contain copper,...
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December 15th, 2011, 16:05 hrs.
By Bryan Williams
Picture this: Your car skids on a wet road. You crash into an expensive vehicle being driven by a highly paid CEO. He is injured so badly he cannot return to work. A jury finds you at fault...
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December 1st, 2011, 16:05 hrs.
Business interruption insurance is designed to compensate for lost income in the event that your company has to vacate the premises as a result of a covered loss under your property insurance policy. Business interruption insurance is also sometimes referred to as business income insurance.
About business interruption...
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November 21st, 2011, 12:53 hrs.
From the Kitchen of Margie McGriff
White Lily Cream Biscuits
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November 17th, 2011, 14:20 hrs.
Uninsured or Underinsured Motorist (UM) coverage is designed to provide additional coverage in the event that you are involved in an accident with a driver that does not have any or enough liability coverage for your injuries. UM can also be applied in the event that you are hit by a driver that flees the scene of the accident. In general, UM covers what you would have received from the at fault driver’s insurance company, had the...
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November 3rd, 2011, 16:05 hrs.
Co-insurance, as it pertains to businesses, is a penalty imposed on the insured by the insurance company for under insuring the value of a building or business property. Almost all property policies have some kind of co-insurance clause. While you can usually clearly see the co-insurance percentage on a property policy, the clause on a business owner’s policy (BOP) is usually not as obvious. A commonly used phrase for...
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October 20th, 2011, 16:05 hrs.
Homeowners often wrongly assume that animal liability is included within their standard homeowner’s insurance policy. Although some policies do include animal liability, not all policies include this coverage; however, it can often be added as an endorsement to your policy depending on the breed of the dog.
The most...
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October 6th, 2011, 16:05 hrs.
Employee dishonesty insurance is designed to cover financial loss caused by fraudulent activities of an employee. This type of insurance is also known as, “employee theft” coverage and is intended to cover theft of monetary funds, whether it be stolen cash, unauthorized credit card purchases, fraudulent checks, etc. and theft of property, such as business property (i.e. computers) or retail items.
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