Autumn is the perfect time of year to think about your insurance plans. After all, once the last of your kids heads off to college, you become an empty nester and may even be ready to downsize. Both of these life changes lead to adjustments in your insurance policies. Moving to a smaller home or […]
Author Archives: spivey
What HVAC Contractors Need to Know About Liability and Equipment Coverage
HVAC companies (Heating, Ventilation, and Air Conditioning) know that they provide a crucial service for both homeowners and businesses. These contracting companies keep the indoor temperatures comfortable for us all. However, all of this can come at a cost, should something go wrong with a job. Things like equipment losses, property damage, injuries, and accidents […]
Electric Vehicle Insurance: What’s Different About Coverage and Claims
Electric vehicles once seemed like a dream, but now they’re a reality. These SUVs and cars need special batteries to power them, have to be plugged in when those batteries run low, and even need specifically equipped tow trucks when they break down. All of this adds up to different insurance needs than standard cars. […]
Electrician Insurance 101: General Liability, Tools Coverage, and Bonding Basics
Electrical contractors have an important job: they repair, set up, and install electrical wiring, sockets, electrical boxes, and more in homes and businesses. While this may sound easy, the job itself is filled with potential dangers and hazards, from damaging a customer’s property by accident, losing and breaking tools, and even lacking the correct surety […]
How to Keep Your Home Safe While Traveling for the Holidays
It’s extremely common for people to travel over the winter holidays. With school out of session, it’s the perfect time to head to that ski resort, a grandparent’s house, or other fun-filled destination. However, it’s not always pure fun and games. While you and your loved ones are away from home for a week or […]
Essential Insurance for Dumpster & Container Rental Companies
Protect your crews, your trucks, and every container you put on the ground. Running a dumpster or container rental operation means juggling tight schedules, heavy equipment, busy job sites, and a lot of responsibility. One mishap, on the road, on a driveway, or at a transfer station, can derail a job and hit your bottom […]
Fire Prevention Week: Is Your Homeowners Policy Ready for a Fire Claim?
As National Fire Prevention Week approaches, it’s important to not only know how to keep fire from destroying your home but also how to protect yourself financially if it does. According to FEMA, cooking is the number one cause of house fires, but electrical malfunctions aren’t too far behind. Understanding what causes these disasters is […]
Could Your Business Survive a Cyberattack?
By Eddie Clark, CEO of Solve iT It’s 7:45 AM, and you’re scanning your inbox, replying to a client. You click to attach a file—except the documents aren’t in English. They look like gibberish. You refresh. Same thing. You call IT, but no one picks up. You walk the hall and hear concerned voices. Someone […]
Are You Underinsured? Why Many Small Businesses Don’t Have Enough Coverage
When you purchase insurance for your business, there are two numbers that you need to pay attention to. One is your premium, which is how much you’ll pay monthly, quarterly, or semi-annually. The other is your coverage. This amount lists how much insurance you have, should you need it. Insurance companies tend to set these […]
Fireworks and Homeowners Insurance: What’s Covered and What’s Not
Summertime includes a number of holidays, from Memorial Day, to the 4th of July, and all the way up to Labor Day, which are typically celebrated with fireworks demonstrations. While most cities have huge professionally prepared fireworks displays, some people prefer to host a family barbecue followed by a fireworks show of their own. The […]
Why an Umbrella Insurance Policy Might Be the Best Investment You Make This Year
When it comes to insurance policies, there are few that are as useful as umbrella insurance policies. After all, what happens when your standard business insurance, liability insurance, and other policies aren’t large enough to cover the unexpected damage or handle all of the repairs needed? You or your business could end up paying for […]
How Inflation Is Impacting Commercial Property Insurance Costs
Your company’s building is likely the most important (and expensive) part of your business. Whether you run an accounting firm or a manufacturing center, you need your office, warehouse, or machining space. Without it, your company can’t function efficiently. Think about it: without this space, where would your employees work? The crucial importance of your […]