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Business Insurance at a Glance

Are you having doubts about your commercial insurance coverage?  Do you wonder if your business is adequately covered?  Are your contractual requirements being met?   Are your certificates of insurance being rejected?  If the answer to any one of these questions is yes, you need to fire your insurance agent. 

 

There are basic insurance coverages needed for all businesses and then there are additional coverages needed for varying types of exposures. 

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Tax Time Identity Theft Risks

Tax time is always tough. Whether you will owe or anticipate a refund, plan to do your own taxes or pay a professional to do them for you, preparing and filing your taxes can be a tedious task. It can also be a risky one: the information needed to prepare your taxes is a treasure trove for enterprising identity thieves.

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Protect Yourself from Lender Placed Insurance Coverage

When you take out a loan to buy a vehicle, house, or commercial property, your lender will require that you buy and keep insurance on the property for the term of the loan. If you cancel or lose these insurance coverages, your lender will buy an insurance policy – often called forced placed coverage – and add the cost to your loan payment.

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Sandy Salvaged Boats Selling In South Florida

Robert Nolin, reported on January 17, 2013 for SunSentinel.com that flotillas of boats savaged by Hurricane Sandy are finding their way from the Northeast to South Florida, as insurance companies shed damaged goods and purchasers chase a good deal.

 

“We’ve got a lot of people from your area that buy from us,

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Insurance Leaders Believe Ongoing Budget Battles Will Harm U.S. Economy

Leaders of the property/casualty insurance industry believe Washington’s ongoing budget fracas will have a negative impact on the U.S. economy, according to a survey conducted by the Insurance Information Institute at its 17th annual Property/Casualty Insurance Joint Industry Forum, held in New York on Jan. 15.

 

Ninety-five percent of executives in the property/casualty industry believe this is so.

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Drunken-Driving Test Legal?

Adam Liptak reported for the New York Times that prosecutors in Missouri, supported

by the federal government, went to the Supreme Court on January 9, 2013 with a big request: They wanted the justices to rule that the police do not need warrants to obtain blood samples in drunken-driving investigations.

 

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Dummy Damage Bad News for Toyota

Toyota Camry, the best-selling mid-size car in the U.S. performed so poorly on dummy damage tests that it has been rated “worst” according to Bloomberg.

 

The Insurance Institute for Highway Safety test intended to evaluate a crash in which the front corner of a vehicle collides with another car, a tree or pole.

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Odd and Unusual Insurance Coverage’s

Ask your agent what the most surprising insurance coverage he/she has sold to their client and you might get an unexpected answer. In her article “What is the Most Unusual Insurance You Have Sold to a Client?” Lucy M. Pritchett relays four unconventional stories from Kentucky.

 

Steve Thompson, and agent in Louisville,

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Flood Damaged Cars May Not Be Road Safe

The unpredictability of water damage can make vehicles dangerous and not road worthy. Hurricane Sandy hit the east coast in late October 2012, and there have been alarming predictions that hundreds of thousands of flood damaged cars have hit the used car market. An Associated Press analysis of claims data supplied by major insurance companies shows the number of cars reported damaged so far is a fraction of that.

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