Insurance Tips

How Batman is like a Trampoline

How Batman is like a Trampoline

Batman: Trampoline? Batman is usually described as a hero, a vigilante, or sometimes even a threat by those who admire him. What fan in their right mind would compare Batman to a trampoline? An insurance professional, of course! We often do strange things that don’t seem to make sense! You may not believe this, but […]

An Unbiased Review of Travelers Insurance

An Unbiased Review of Travelers Insurance

“I’ve never heard of Travelers Insurance. What are they rated?  Are they a good company? Why are you recommending I change to Travelers? Deciding to trust a new insurance provider to protect your home and your livelihood seems like a wild leap of faith sometimes. You want to have as much reassurance that the insurance […]

Beat Your Restaurant’s General Liability Insurance Audit

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General Liability Where Gross Sales Isn’t The Rating Basis! Traditionally, the General Liability (GL) portion of a Commercial Package Policy (CPP) used sales as the rate basis to determine rates. Business Owners Policies (BOP) base General Liability rates on the amount of property at the insured location instead. Some hospitality businesses still benefit from this rate structure, like […]

Who Needs Liquor Liability and What Does It Cover?

Who Needs Liquor Liability and What Does It Cover?

If you sell or serve alcohol, you need have a liquor liability exposure! Damages resulting from the serving, sale or distribution of alcoholic beverages are covered by liquor liability insurance. Businesses of all kinds can have a liquor liability exposure if they: Host a party for employees, clients, vendors, etc. that makes alcoholic beverages available. […]

Five and a half insurance tips for First Time Home Buyers

Five and a half insurance tips for First Time Home Buyers

Buying your first home is an exciting time! Protecting your first home with a homeowners insurance policy presents a policy you’ve probably never encountered before. Here are five and a half insurance tips to help you understand your new risk management needs: Market Value and Replacement Cost are different ways of valuing your home, and they have absolutely […]

What’s the difference between a captive agent and an independent agent?

What’s the difference between a captive agent and an independent agent?

In this video I discuss the basic difference between a Captive Insurance Agent and an Independent Agent like Heritage Insurance Agency. Independent Agents represent a variety of insurance companies that provide a wide range of rates and product solutions.  Captive Agents are exactly that – captives to one insurance provider, and may only present the […]

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